That’s right you can get more coverage for less money.  Now the problem with this is most of the companies push low rates mostly give you low coverage.  Then when you shop you are actually not able to get better rates because you got duped into a low rate by taking low coverage.

A solidly caffeinated(made up word) drink from your local coffee shop is sometimes the same price as one month’s worth of much better coverage.  That’s right for $3-$6 you can purchase $100,000 or more in coverage.  So is the company that brings you in on lower rates even interested in protecting you and your family or just providing you a low rate for insurance.

Just another true thought.  Apply as needed.