I keep full coverage, even on my '95 1500 4x4. Last year it got sideswiped
on the ice and needed a bed re-skin and a bumper and a few other dings. Came
to over $6,000 total. If you have that kind of cash handy all the time, then
you probably can go with just liability. My accident was at a speed less
than 5mph, so a lot of damage can be done very quickly.
None.......... over the two Lincolns, a couple of ATVs, a new Polaris RZR, a
boat (think that is it). That was my first claim in over 20yrs.
Yeah.......the insurance companies are going to stay ahead of the game in
the long run. It is how they make their money. I use Progressive only
because of their price and very good, fast service. Within an hour of the
accident I was in a rental car and the truck was in the body shop of my
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