Some insurance companies have really bad reputations when it comes to paying claims. I'm not going to mention any names specifically, but several of the larger companies have been sued by thousands of individuals, attorneys general of numerous states and classes of people in a single suit.
geico quoted me a reasonable price to cover my 51 and as long as I have a newer vehicle with full coverage (comprehensive, liabilty and uninsured motorist) they'll give me comp on the truck too.
On a separate note. I strongly reccomend that everyone get limits of at least 100/300 if not more and never, never, never waive or refuse to buy underinsured motorist. I've seen too many accidents where the other driver is at fault and only has 50k of insurance but the person who got hit had 100k of medical bills. So what happens to the other 50? The person who got hit has to pay it unless they have underinsured motorist insurance limits of 100. Underinsured insurance will cover upto the max of its limit- so, underI coverage of 50 and the other driver of 50 doesn't mean 100, it means your UnderI will cover up to 50 total (in case the other driver only had 25).
Check the difference in premiums and if it's only 20/month to get more coverage, its worth it.
