Insurance is legalized gambling, as with any gambling if you play and don't know the rules you are a fool.
If you are looking for liabilty only just buy on price as it won't be your claim anyway.
If your car is worth less then $3k it's probably in your interest to buy liablity only.
Set reasonable limits! In Oklahoma the minimum coverage (the premium all the ads show) is 10-20-10 Nevada is 15-30-10. These numbers break down to personal injury, whole car injury, property damage. So in Nevada you can put 2 people in the hospital each with $15k bills and be okay on the minimum, well assuming they drove a Kia or something less then $10k. The chances of this are somewhat unlikely these days and if they are exceeded you are personally liable for the remainder. If you are a have not (which I doubt anyone reading this is) this not the biggest deal but if you own assets you had better cover them. I have personally spent $15k on a single broken arm although it had pins and 2 surgurys but still in a US hostpital you can blow $15k almost instantly. If you hit a car with more then one person in it the $30k can go by extremely quickly. Also as mentioned what % of the cars in your area are worth more then $10k? In mine if I were to hit someone it's probably like 80/20 chance their car is worth more then $10k. You should also have unlimited legal defence funding though so thats cool, this seems to come on all policies. When you call any low cost provider this is alsmost certainly the premiums you will be quoted, thats fine if you are a college student with a minimum wage job, no house and a loan agaist your car. If you have 6 figures in a bank account you are asking for trouble. If you have 7 or 8 figures socked away you need to evaluate more like worst case senario, you perminently disable someone and total their $100k car. You should be looking and unbrella policies to protect you.
I have had progressive for several years and no problems, I love the mobile adjusters. I once had a wreck, my fault and the mobile adjuster beat the cops. Basically as soon as he arrived I took off and avoided any tickets, that was worth something in itself. Remember the unlimited defence funding atop the split limits, the adjuster is also basically an agent of your legal defence since they made the guy mobile like that. The old geezer I hit (stopped 15ft after making a R turn) was rather shocked but got a check right there at the scene. At that time my tag was expired so leaving early saved me at least a following too close/inattentive driving + expired tag tickets.
In OK it is solely up to you as to who does the repair work, many states have similar laws. You should always take advantage of this, never go where the insurance company suggests. Go where the local reputation dictates. You have the final say in it, however original vs. aftermarket vs. used parts is disclosed in your contract so read the damn thing. Also often whatever the agent says orally will can stand against whats in the written contract if you can prove it. In Oklahoma you only need 1 party concent for audio recording, so record conversations with the agent. If they misspeak you can bet the guy will flip and take the company line after the fact. Research any questions you should ask the agent and test what it is you are actually buying. don't expect the full policy to be available right then, oh no that small novel will come several days later in the mail, several days after you signed up. Make sure you open the policy with a check, a check in and of itself is a contract also it allows for the additions of the memo field. Auto insurance as discussed +date sounds good to me.
Do the deductable balance and find the sweet spot, check on $250, $500, $1k and $2k deductables. If you are like me and know sometimes you will not make a claim unless the vehicle is totaled the gap insurance from the lender combined with a high deductable is cheaper then having a low dedectable and paying the depreciated value of the car in it's loss. This may not be a factor depends on how or if the car is financed.
Also credit life from the lender is a great idea if you are over say 50 $1 for $1 its the best bang:buck for the coverage. It also could allow you to drive a benz or whatever for the last few months if you play your cards right.
It's all gambling they like a casino have all the numbers, some wheels have one 0 and some have two. It's your requirement to learn these rules as you have no choice over playing the game or not.
