car insurance

As a person who works in insurance. I wouldn't recommend going a great deal higher than the legal limits of liability. It's a waste of money. I would rather have lower deductibles for comp and collision (full coverage) than to have 100/300/100. It's a little much, IMO.

I'm 21 female who has a policy with my 27 bf with a horrible driving record and we pay 125.00 a month with 25/50/25 liability, 100 deductibles for comp and collision, 50/100/50 un/under insured motorist, death and indemnity (funeral costs), and personal injury protection (med payments and lost wages).

girl over 21 = lower premiums
boy over 25 = lower premiums
"youthful drivers" boys under 25, girls under 21 = expensive

Take this as a personal opinion-

I did not say that I recommend minimums to clients. I did say however that there are extremes. While it is true that you can never really have enough insurance to protect you against what MIGHT happen, it just all depends on how much money you're going to want to spend "cotton balling" yourself from the rest of the world.

Liability with limits of 100/300/100 are good if you are fairly well off and have assets that could possibly be jeopardized in the event of a law suit. However for normal every day Joe's, like me and what I assume you to be, who do have to worry about the cost of insurance would probably be better off with lower limits. I would feel as if I was doing an injustice to a client if, knowing their financial background, I locked them into a higher rate to protect them against a "just in case".

And for a professional opinion...I do NOT and never have recommended the lowest limits of liability.