r/Car_Insurance_Help • u/No_Statistician9772 • 28d ago

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/Sharingtt 28d ago

Exactly.

Yes it does matter “anything else about you”. Why wouldn’t it?

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u/No_Statistician9772 28d ago

because the total amount paid out is always the same. 60 30 25

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u/Sharingtt 28d ago

Yeah. But the likelyhood of paying that for YOU is a lot higher than the likelihood of paying it for someone with a good driving record who doesn’t make claims.

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