Ok, I'm turning 16 in a month or so, and getting my lisance on march 2nd unless I'm stupid... I have a TON of questions that I'd like answered
My mom has "Sentry insurance" which I have never heard of
Should I go under her on that policy? Or can I go with a real company to be safer? I'm doing a progressive quote, but I dont know what limits I should have... Sentry would cost me $110 a month for liability only on an 82f150, unsure on limits
Progressive (per their online quote) with the minimum coveratge +1000 medical payments (hit as pedestrian) is $115 a month
Limits are; Bodily Injury and Property Damage: 25k person/50k colision/10k property damage
Underinsurance bodily injury 25k person/ 50k colision
Uninsured is 25k person/100k colision
It goes to $125 a month if I hike it up to;
BIPD: 50k person/100k colision/25k property damage
UMIBI is still 25k person/50k colision
Uninsured is still 25k person, 100k colision
Questions I have are this... Is that enough? Eau Claire doesnt have too many ritzy cars, hold for the occasional vett or suburban...
Are the cars considered to be the property damage, or do they just cover the other persons car regardless of its price?
Any other insurance companys I can checkout online?
Thanks alot, I really appreciate it
~Nate