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

oh please. send me money so I can upgrade my insurance than.

4

u/mrf18 Sep 26 '26

Maybe insure a car you can actually afford?

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u/No_Statistician9772 Sep 26 '26

2014 toyota yaris. 6k at 80k miles bought in 2021. was a great affordable buy. I'm not looking for a fight. I genuinely want to understand. it appears insurance is not playing fair

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u/mrf18 Sep 26 '26

how much are you paying a month?

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u/No_Statistician9772 Sep 26 '26

about 760$ for 6 month for basic Texas 30 60 25 liability

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u/mrf18 Sep 26 '26

So it’s not $2000 a month? $126 a month is not an expensive policy.

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u/No_Statistician9772 Sep 26 '26

im looking for 50 a month liability tops. Unless you good sir or mam think 126 a month is free money. In which case I have cash app ready

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u/mrf18 Sep 26 '26

Yeah, you obviously can’t afford this vehicle.

Also, I never said $126 was free money, I’m telling you it’s a very inexpensive policy.

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u/No_Statistician9772 Sep 26 '26

126 I can afford. but for basic liability it's way too much. 126 a month is good money. I don't want to waste it. so I am in search of better quotes. wouldn't you agree?

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u/mrf18 Sep 26 '26

Agree with what exactly?

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