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The Water Cooler
General Discussion
Should I carry uninsured motorist coverage?
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<blockquote data-quote="ls3mach" data-source="post: 2297498" data-attributes="member: 10054"><p>$300 a year seems rather pricey, even for 3 vehicles. However. Even if your vehicles are paid off. If $10 a month is a concern to you, I'd keep it. Unless your cars are total rubbish. My signifcant other was carrying full coverage on her paid off car that is only worth about $3000 now. It was about $100 a month. She hasn't had an accident in 10 years, except for the only time I let her touch my truck... I made her cancel her full coverage. She doesn't keep uninsured motorist. Her insurance is $300 a year now, I think. My point to her was at $900 a year savings, buy a new vehicle if you accidentally total someone else out. Same concept applies here, unless your cars are more expensive than your care to be out of pocket. $300 a year isn't a lot of money to put towards a $10,000 vehicle.</p><p></p><p>All my trucks have $1 million in coverage. My car is classic with replacement value at around $300 a year with Grundy. Apples and oranges I know.</p></blockquote><p></p>
[QUOTE="ls3mach, post: 2297498, member: 10054"] $300 a year seems rather pricey, even for 3 vehicles. However. Even if your vehicles are paid off. If $10 a month is a concern to you, I'd keep it. Unless your cars are total rubbish. My signifcant other was carrying full coverage on her paid off car that is only worth about $3000 now. It was about $100 a month. She hasn't had an accident in 10 years, except for the only time I let her touch my truck... I made her cancel her full coverage. She doesn't keep uninsured motorist. Her insurance is $300 a year now, I think. My point to her was at $900 a year savings, buy a new vehicle if you accidentally total someone else out. Same concept applies here, unless your cars are more expensive than your care to be out of pocket. $300 a year isn't a lot of money to put towards a $10,000 vehicle. All my trucks have $1 million in coverage. My car is classic with replacement value at around $300 a year with Grundy. Apples and oranges I know. [/QUOTE]
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Should I carry uninsured motorist coverage?
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