I am asking this question for a friend. I myself current have bare bones liability insurance, cause my car is fully paid off and not worth too much.
I have heard recommendations that IF your car is fully paid for, you might as well get liability insurance to lower your payments, but I wonder how you make this decision intelligently.
My friend currently has a 98 Civic, fully paid off. KBB value is around 7k.
Currently she's paying for full coverage with 1000 deductibles for collison/ comprehensive, and its running her 1800ish a year.
I've seen quotes as low as around 1200 a year for liability. Wondering if this would be worth it for her.
Also, when setting liability minimums, about how much should one select? She does not have much assets at all to protect
I have heard recommendations that IF your car is fully paid for, you might as well get liability insurance to lower your payments, but I wonder how you make this decision intelligently.
My friend currently has a 98 Civic, fully paid off. KBB value is around 7k.
Currently she's paying for full coverage with 1000 deductibles for collison/ comprehensive, and its running her 1800ish a year.
I've seen quotes as low as around 1200 a year for liability. Wondering if this would be worth it for her.
Also, when setting liability minimums, about how much should one select? She does not have much assets at all to protect