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Originally Posted by cfguy2000
Some states do allow "self insurance". Texas being one of them. If you deposit $55,000 with the Texas state comptroller you do not have to purchase liability insurance.
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Oregon allows self-insurance too with $55k. I've thought about it before, and now that I have that laying around I should reconsider it. I'm surprised they allow such a low number since the state minimum for bodily injury is $50k and property damage minimum is $20k. That leaves a $15k gap.
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Originally Posted by thomason2wheels
I gave progressive a chance and saved only about 50 / yr. Probably as much because i didnt put enoughmiles on the wrx to give them much useful data.
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You don't get a greater discount by driving more; just the opposite in fact. You start out with a 30% discount, and the number goes down based on how much you drive, at what hours, and how many hard stops you make.
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Originally Posted by Frank Lee
I recently dumped Flo- they said I was getting 30% off due to SnapShot but it sure didn't feel like it so I shopped around and found competitive rates elsewhere.
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What insurance company had the same or better rates? I'm always open to jumping ship if something cheaper comes along.
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I've been with State Farm for 37 years. I've done a few comparisons over those 37 years. No other company has ever been able to significantly undercut State Farm's premium rates. I've had two claims (one homeowner and one vehicle liability), and they didn't increase my premium for either claim. And I've known my State Farm agent since I was 12 years old.
And she thinks my Mustang's cool. 
