Every car insurance company I communicate with tells me that they can't just sell the state limit of liability/pip. However, if the law says that that is all anyone needs to have, then why can't I find a company that will sell me just that if I request it?
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I understand what you are saying about coverage, but if you have an older car, you don't want to waste money over-insuring it. If you can afford a Mercedes, you ought to be expecting to pay higher insurance to cover & protect your investment.
The liability coverage (BI,PD,UM,PIP or MP) is the same for a new Mercedes or an old Chevy for identical limits. The physical damage (Comp and Coll) is of course going to be more. Comp & Coll is not required unless you have a loan on the car.