Full Coverage or Liability?
1 - 15 of 15 Posts
Joined
·
418 Posts
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.
Joined
·
2,051 Posts
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.
Joined
·
500 Posts
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.
Joined
·
2,051 Posts
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.jfrolang said:
Oh yeah, and NOBODY else drives my car either. My wife can't drive a stick.
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 
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 :?
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 :?
Joined
·
5,147 Posts
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:
I know its a stretch, just giving you a hard time :wink:
Joined
·
418 Posts
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.Devin said:
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.
1 - 15 of 15 Posts
