Been looking into car insurance stuff lately, and I'm kinda stuck deciding between just sticking with North Dakota's minimum liability coverage or bumping it up to higher limits. I mean, the minimum is cheaper obviously, but then again, accidents happen and medical bills ain't cheap these days...you know? Curious what others around here chose and if you think it's worth paying extra for more coverage or just save the cash.
"I mean, the minimum is cheaper obviously, but then again, accidents happen and medical bills ain't cheap these days...you know?"
Yeah, totally get where you're coming from. I used to be all about saving cash wherever possible, especially on stuff like insurance—figured I'd never need it anyway. But after a buddy of mine got into a pretty minor fender-bender last year and ended up paying way more out-of-pocket than he expected, I started rethinking things.
Here's what I'd suggest: first, look at your driving habits. Are you mostly just commuting short distances, or do you hit the highways often? If you're doing longer drives or road trips (like me), higher limits might give you peace of mind. Second, think about your savings situation—could you comfortably handle unexpected expenses if something did happen? If not, bumping up coverage might be worth the extra monthly cost.
Honestly, I'm still skeptical about insurance companies in general (feels like they're always finding ways not to pay...), but having a bit more coverage has definitely made my road trips less stressful. Just something to chew on.
I see your point, but honestly, going with just the minimum feels risky to me. I drive a higher-end car, and even minor repairs can get ridiculously pricey fast. Had a small scrape last year—nothing serious—but the repair bill was eye-watering. Makes me wonder...do you think the type of vehicle you drive should influence how much liability coverage you choose?
Yeah, totally agree—your car type matters. But remember, liability covers damage you cause to others, not your own repairs. Still, pricier cars often mean higher assets...so higher limits protect you better if someone sues. Worth considering.
Still, pricier cars often mean higher assets...so higher limits protect you better if someone sues.
Good points made already. I've had cars in ND for years, and here's how I usually look at it: first, figure out your assets—house, savings, etc.—and think about what you could lose if someone sued after a bad accident. Then check the price difference between minimum and higher limits. For me, it's always been worth it to pay a bit more monthly for peace of mind...but everyone's situation is different. Just my two cents from experience.
