Just updated mine. I was only carrying liability, but lately I have been worried about having my girlfriend in the car a lot, and if we got in an accident.. would she be protected? I updated mainly due to medical coverages, but ended up adding comp/collision. Here's where I'm at:

Vehicle:1995 BMW 318IS

Discounts:

> USAA Membership Savings ($687.11)

- Multiple USAA Products
- Auto Insurance Loyalty, 4 years
- Good Payment History

> Vehicle Discounts

- Driver Training Discount ($46.93)
- MyUSAA Legacy Discount* ($106.39)
- Passive Restraint Discount ($44.42)

Total Discount: $884.85
* A discount allowed for children and ex-spouses who establish their USAA eligibility through a parent or former spouse, have had no major violations within the last 36 months, and are 24 years of age or younger.

Coverages:

Protection for your liability to others.


- Bodily Injury Liability: $100k/$200k (per person/per accident)
- Property Damage Liability: $100k (per accident)

Protection for you, your passengers, and your property.

- Limited Tort
- Uninsured Motorist Bodily Injury: $100k/$200k
- Underinsured Motorist Bodily Injury: $100k/$100k
- Basic First Party Benefits
+ Medical Expense Benefits: $10k
- Added First Party Benefits: Declined
+ Medical: $100k
+ Funeral
+ Accidental Death
+ Work Loss
- Combined First Party Benefits: Declined
- Extraordinary Medical Benefits: $1m

Protection for your vehicles.

- Comprehensive: $0
- Collision: $100
- Rental: $30/$900 (per day/total)
- Towing and Labor: Selected

Premium:

Six Month Total Policy Premium: $883.94

-

I was bored, so, if you're bored.. post yours. Could be a good chance to review your coverage.

Previously I was paying $20x.xx for liability and bare minimum medical.

 

I just wish we didn't have to pay the damn state mandated fee of $2xx.xx per car to cover underinsured motorists and pay for large lawsuits, here in Michigan.

 

Personally the only time I'd ever have liability only is if I knew, without a doubt, that I could afford to cut a check to replace the vehicle if I was at fault and totaled it.

I have 10k/20k/10k, iirc. Could be more, I don't know for sure. We pay ~200/mo for my truck and the wife's versa.

 

Comprehensive on the RSX: $610.45 every 6 months
Liability on the 4Runner: $181.87 every 6 months
Liability on the Bandit: $43.04 every year

I have great health insurance, so I don't need medical payments coverage for myself. Also, one uninsured motorist payment covers all 3 of my vehicles, which is nice.

 

full coverage on the MS3 (15/30/15 with $500 ded.) I pay $650/6 months

 

100/300/30 with $750 deductible and $45 rental and 30/60 for UM/UIM and CDW.

 

Thats another thing I was thinking about, if the car gets totalled (or even damaged), I can't guarantee I'll have the money to fix it.

 

i just signed a new policy yesterday, the minimum full coverage required by law 13XX.XX for a 1 year policy

 

50/100/50 with $250 deductible on the integra, $500 on the G35 and 30/60 for UM/UIM and CDW.

 

full coverage. bi pd 300/300/300 UI BI250/500

for all 3 cars it's around $1000/6 months