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Discussion Starter · #1 ·
Do you currently have full coverage or liability?
Full Coverage844.44%
Liability1055.56%
 

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Discussion Starter · #2 ·
My policy is currently up for renewal and was thinking of moving to full coverage. I haven't had full coverage on any of my vehicles since 2000. All the points on my license have finally been removed making full coverage much more affordable. Plus now that I live in St. Louis I am really worried about auto theft. Back home I didn't even lock my doors, now I have a clifford alarm and a club. But I was just curious of what others had for coverage on their crx's.
 

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Full coverage, definitely. I learned my lesson through my dad. He had a 1966 Mustang that we restored together, spent a lot of time and work on it. We got it looking perfect. Perfect paint, all new interior, good engine. Then it became my sister's car, and she ended up wrecking it at age 16 or 17. Completely trashed the car. Only liability on the car, so my dad walked away with nothing. Hard lesson to learn.
 

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It is not by choice however... After my licence was suspended for three tickets before I was 18, my insurance company (under/on my parent's policy) required me to have full coverage. It's nice having that reassuring policy in the back of my head, but I've never had to use it. I would consider myself a better than average driver with no accidents of any kind...it's just the other idiots on the road I'm worried about.
 

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crxfisher said:
Full coverage, definitely. I learned my lesson through my dad. He had a 1966 Mustang that we restored together, spent a lot of time and work on it. We got it looking perfect. Perfect paint, all new interior, good engine. Then it became my sister's car, and she ended up wrecking it at age 16 or 17. Completely trashed the car. Only liability on the car, so my dad walked away with nothing. Hard lesson to learn.
I think the more important lesson is to not trust a new driver with such a highly valued car.
 

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jfrolang said:
I think the more important lesson is to not trust a new driver with such a highly valued car.
When the insurance lady asked me if anyone else with less than 10 years of driving experience would be driving my car, I guess my look of disgust on my face kind of startled her. I clarified: *NOBODY* else drives my car...NOBODY!
 

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jfrolang said:
I think the more important lesson is to not trust a new driver with such a highly valued car.
I agree completely. But anything can happen on the road. Experienced drivers make mistakes too. I guess it all depends on the car. If you use your CRX as a winter beater and don't care if it wrecks and doesn't get replaced because you'll just buy another one since they are so cheap...then I guess save your money and don't get full coverage. But for those of us with rare rust free CRX's with low miles in great condition, it would be nearly impossible to replace if something happened. But I want to get SOMETHING out of it if I screw up and smash it into a tree or something.

Oh yeah, and NOBODY else drives my car either. My wife can't drive a stick.
 

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I was going to go with full coverage until they informed me that nothing aftermarket is covered. Not even the OEM wheels I have because they didnt come on the car. Body kit, seat covers, mp3 player, engine, nothing.
I have the bare minimum.
 

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Liability only. Reason is full coverage is f*cking expensive! Just for liability I pay 1k a year. Full was gonna cost over 2k. Not worth it in my car. Kinda wish I had it now though :cry: If I had a real nice car then yeah full coverage, even if I had to work 2 jobs I would do it. Just common sense :roll:

And josh, why the hell would you move to that dirty anus of a city?! I used to live there and it sucked! Move to KC, WAAAYYYY better. No comparison. My mom leaves her doors unlocked with the keys in the car :!: Shes done this for the entire time weve been here (8 years). And we neighbor Independence and KCK :?
 

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Noone knows where I live. Shes got full coverage. If it got stolen it would just be a minor inconvenience.
 

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You live in KC, Mo for starters and drive a white hf crx. Currently with a bashed up front end. Follow the flaming piles of dog doo and there you would be lighting another bag up :lol: Follow you home, get a car.

I know its a stretch, just giving you a hard time :wink:
 

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Discussion Starter · #13 ·
Devin said:
And josh, why the hell would you move to that dirty anus of a city?! I used to live there and it sucked! Move to KC, WAAAYYYY better. No comparison. My mom leaves her doors unlocked with the keys in the car :!: Shes done this for the entire time weve been here (8 years). And we neighbor Independence and KCK :?
I actually did live in KC for a little over a year. Back in the days when I was going to UMKC to be a doctor. I enjoyed living there and still visit a couple times a year.

I renewed my policy today and had it changed to full coverage. My premium is about $480 for six months. I'm thinking about changing my address with Progressive to back home and see if that will lower it some since the Agent mentioned that I live in a high claim area.
 

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MarkWilliamson said:
Then bittles110 said:
I would consider myself a better than average driver with no accidents of any kind...it's just the other idiots on the road I'm worried about.
oh, ok. :roll:
Have you ever heard anyone refer to themselves as a "less than average" driver? ;)
 

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I dont think anyone will come out and say 'Yeah Im the worse driver ever...Want a ride?'.
 
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