Originally Posted by TeePee
Just curious if you realize what comp coverage is and what it means to you? I would never want a $500 deductible for the tiny difference in cost to go to an ACV deductible.
Comprehensive Coverage is designed to protect your vehicle against loss or damage from other than a collision (fire, theft, vandalism, flood, glass breakage, etc.).
To me, it means I am not filing a claim on either vehicle unless the damage or loss is well in excess of $500. I don't want to file a claim if not necessary but I am risk adverse enough to purchase comprehensive coverage.
You are assuming a lot of things in your comment, one of which is that you ran this quote and second, that you are me. Neither one of those is true.
Originally Posted by indienoise
Where are you located? Where I live this would be hands down the lowest premium I've seen for this kind of coverage. Of course, I also just rewrote a person who relocated from a different state with the same carrier he had previously, for twice his old premium. So depending on where you are, it could suck for all i know
Located in Iowa. Before I insured with American National, I was with All State. My coverages were:
100/300 BI, UM, UIM
100 property damage liab
5 medical payments
$500 deduct comp/collision
No rebuttal, towing, or roadside coverage
Premium for a 6 month period $803.00 (same two cars)