21M, driving for 5 years, Midwest, new 2026 toyota, no accidents or claims. Just got my own standalone quote for the first time. Any overlap here or coverages I should change ASAP?
$902 / 6mo
Liability (BI/PD) $100k/$300k/$50k = $369
"per person/per accident/property damage”
Uninsured/Underinsured Motorist BI $50k/$100k = $18
Uninsured Motorist PD no coverage (covered by collision?)
Medical Payments $2k/person = $9
Comprehensive $750 deductible = $77
Collision $500 deductible = $411
Loan/Lease Payoff (difference up to 25% of actual cash value) = $18
No rental, roadside, etc
Does my policy coverages make sense?
byu/SunnyBoney inInsurance
Posted by SunnyBoney
2 Comments
You should get rental and roadside. Otherwise looks really good. Good premium for first time young male
What state? Why no UM/UIMPD? Is it not offered in your state? You might want to get a quote for Med Pay at $10k. Two thousand won’t even cover an E/R visit.