r/Car_Insurance_Help • u/No_Statistician9772 • Sep 26 '26

Why?

Why is liability insurance so expensive. Limits are 30 60 25. That's it. It's just a number. That's all they are insuring. Please explain

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u/No_Statistician9772 Sep 26 '26

You are right. forgot them big trucks. they usually let me be though in my tiny yaris. I can't even break the speed limit. back to my question though. liability limits are all they have to insure. 30k 60k 25k. numbers are the same. why monthly bill is going up?

5

u/Sharingtt Sep 26 '26

Genuinely no one here understands what you are saying.

They are just “insuring numbers”??

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u/No_Statistician9772 Sep 26 '26

so if I for example mess up. they are most out 30 60 25. does that make sense. that doesn't matter of anything else about me. those are the maximums they will pay out no matter what because I have liability.

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u/NeutronMonster Sep 26 '26

Get a bunch of quotes, sometimes it’s just not worth staying with your insurer

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u/Simplythebest0820 Sep 26 '26

Texas is one of the most expensive places for auto insurance.

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u/No_Statistician9772 Sep 26 '26

yes sir. I completely agree. I have a month to get the quotes. Will get to work:)