Totally agree that it depends on your personal situation. I'd also add that you should check if your credit card offers roadside assistance benefits—some do, and people often overlook this. I commute daily in an older car, and while insurance roadside has saved me cash a couple times, I've found credit card assistance to be quicker and more reliable. Worth double-checking your card perks before paying extra on your policy...might save you a few bucks.
Good tip on the credit card perks—never thought about checking mine. But honestly, as someone with a couple speeding tickets on record, my main headache is figuring out how much coverage Illinois actually requires for high-risk drivers. The DMV site isn't exactly crystal clear, and every insurance agent gives me a different story. Anyone else had luck decoding the minimum liability rules when you're flagged as high-risk? Would appreciate a straightforward breakdown...
Totally feel you on the DMV confusion...I just went through this myself. From what I could piece together, Illinois minimum liability is still 25/50/20 even if you're high-risk, but insurance companies usually push for more coverage to protect themselves. Pretty frustrating, tbh.
Yeah, went down this rabbit hole a while back myself... technically you're spot on about the 25/50/20 minimum, but when you're high-risk (like yours truly 😅), insurers def try to upsell coverage. Guess we're their favorite cash cows, huh?
Been there myself... when we added our teen driver, suddenly the minimum wasn't enough. Agent kept nudging us toward higher limits—felt like buying popcorn at the movies, small jump in price for a "better deal," right? Gotta watch those upsells carefully.
