Originally Posted by ZKindaGuy

Some folks in the forum may not realize that many folks who are posting the lesser expensive insurance premium cost are carrying only "middle-tier" coverage (such as yourself @ 50/100/25) or sometime even just "minimum state required" coverage.

So if anyone here in the forums think that folks carrying the lesser coverages are getting a better deal than those doing the comparison should keep in mind that folks with lesser coverages are personally liable for the difference should an accident caused by them have higher monetary damage values (propoerty and medical) that exceed their insurance "middle-tier" or "minimum" coverages.

You would be surprised how many folks don't realize this important critical difference between those paying lower premiums compared to those paying higher premiums.