Bought In Ag 96 said:

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If I have comprehensive or collision then why do I need uninsured motorist?

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Your Uninsured coverage also takes care of your bodily injuries. The deductible for UIM is only $250

I dont get body i jury coverage with comprehensive?

Bought In Ag 96 said:

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I dont get body i jury coverage with comprehensive?

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No. Comp coverage is "anything other than collision" and it covers your vehicle.

htxag09 said:

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Howdy Dammit said:

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I'm at 4134 for two nice cars. One car just liability. And a 10k boat. My wife is under 25 so maybe that will go down soon.

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It'll go down at age 26 with most carriers. Used to run an independent agency and this was the case for most companies.

Ours went from 2600 to 4000 for our renewal on Nov 1st with Progressive.

I switched to Safego and got it for 3500.

Independent insurance guy said it's a combo of things:

1.) Many people have stopped paying for insurance because gas prices are so high so uninsured motorists claims have gone through the roof.

2.) Supply chain issues and increased costs for parts.

3.) People seem to be ****tier drivers after not driving as much during COVID so seeing a lot higher volume of accidents compared to the past.

4.) All the electronics in cars make repairs a lot more expensive than they used to be.