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Shop for price, go with a reputable company, and hope you don't have to file a claim.
Besides price, understand the policy. They do differ from company to company, and companies may offer different levels of coverage.
Some will cover if you loan car to someone outside of your household, others won't.
Some will not cover anyone but those listed on the policy, so don't leave your teenager off the policy thinking you will save money.
You are describing some of the differences between the standard ISO and non-standard
policies. The major carriers like State Farm, Allstate, Travelers, usaa, etc should issue you a standard policy. They typically offer more coverage and are more favorable for the consumer. They are also more expensive.
The Gainsco's, Fred Loya's, Elephant Ins cos of the world usually issue more affordable nonstandard policies and that is where you typically see more exclusions/restrictions.
If you ever want to know what you're getting just ask your agent whether it's a standard or a nonstandard policy. However, I would agree you should ALWAYS read the policy because there are exceptions on both sides.