Thank you, everyone for you responses!
Trusting: Both cars are paid off. For the Stratus we have liability, for my '06 Vitara we have full coverage, as well as renters. Just to clarify, the $147 is for both cars, one liability, one full coverage. We just added the renters when we changed over to Nationwide because the bundle deal was suppose to be better.
I am so clueless when it comes to insurance, I am embarrassed. When I was married my ex handled all of it, and after I divorce my mother put me back on her insurance. So this is really the first time I am taking care of insurance on my own.
We passed on collision for the Stratus. My mom said if I was not going to get full coverage for the Suzuki to get liability and collision, but the rep I spoke with said that would end up being more expensive than full coverage, and not as good a deal.
Another thing is the rep over the phone asked me if I wanted a local agent or wanted to do things online. I wasn't sure, so I asked if I could do both, and he sent me the information for the closest local agent. I was not sure what were the benefits for doing things through an agent. So from what you guys are saying that is the recommended way to go?
They also enrolled us in this smart driving program. I forget what it is called, but basically they send us a device and monitor our driving habits... how often we accelerate, how hard we break, etc. They gave us a 5% discount for the 6 months we will be monitored. If our driving habits are deemed safe, then we get up to a 30% discount, but he said the average has been 15%. If it not up to par he said we just won't get the 5%. He also said we will be sent our driving results via email. I thought that would be interesting.
[This message edited by Dark Inertia at 11:44 AM, September 30th (Monday)]