Nobody wants to pay more they have to for anything, including auto insurance. However, your auto insurance plays a very important role in protecting your assets and making your choice based solely on price is very dangerous. Some people learn a hard lesson when they need the protection of a well crafted auto insurance policy but they don't have one because they bought on price instead of need.
In my almost twenty years in this business I've seen what can happen if your coverage isn't set up right. I know people who have had their wages garnished for over 25 years because they got sued for a car accident and didn't have enough coverage to pay the judgement. The idea that a plaintiff will settle for the coverage you have and no more just isn't true. They WILL collect, even if it takes 25 years.
So, my advice is this: find an agent you can trust and take their advice. Everyone's on a budget and we can do things to help lower the cost of your insurance without putting all your assets at risk.
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In my almost twenty years in this business I've seen what can happen if your coverage isn't set up right. I know people who have had their wages garnished for over 25 years because they got sued for a car accident and didn't have enough coverage to pay the judgement. The idea that a plaintiff will settle for the coverage you have and no more just isn't true. They WILL collect, even if it takes 25 years.
So, my advice is this: find an agent you can trust and take their advice. Everyone's on a budget and we can do things to help lower the cost of your insurance without putting all your assets at risk.