Quote Originally Posted by TurcoLoco View Post
For a 99 Ford Ranger??? Jesuz Gizmo, I thought you were smarter than that!
Pay only the liability and for the cheapest one you can find whatever that costs, we will say $X amount for that. So what you do is, $185 - X = what you will save every month but that is not a money that you can spend period!

You simply put that money in a Savings account, month after month year after year.....if you ever need it, even after a year, you will have adequate amount. IF you do not need it, well it is yours. But what ever you pay and ever paid to insurance company and never needed/used is gone!
Do Not ever have a plan any more than you legaly have to, imho.

Insurance is a lot worse than tax, with tax at least you get some back. Insurance payments is the worst and insurance companies are the biggest mafia in this country after the politicians and before the unions....to hell with them all I say!!




Fine fine, I will increase my medication...
First off, I agree with your opinion on insurance companies, they are a huge mafia.

Second, I have to have full-coverage on my truck as it's financed. I didn't have $5k to drop on the truck when I was getting rid of my '89 dakota (which ran like hell, BTW).

Third, my truck is still worth enough to justify full-coverage. Once it gets below the $3000 mark, I will only carry liability. But right now it's worth over $6k still.