Problem is were broke and couldn't afford anything higher. My accidents and some points will be dropping off my record next month plus ill be 25 so when we go to renew for june we will be able to raise the limits and still have the same premium. We hope anyway lol. Only time will tell.

Yes, I know what split limits are. I am a licensed insurance agent. Your rates don't drop at 25 if your a male. Your considered to be youthful until you are 29 or married in the state of NJ.

I drove by fuds last night but wasn't in the ta.

Good luck with finding cheap but good coverage in NJ. Everyone is applying for rate increases unfort. Im scared to see what I'm going to renew at in Aug.

I have been married almost to years(2 years in june). So much for the magic number of 25 lol. At least ill be able to rent my own car haha. I guess I just have to count on the incidents being dropped and hope it lowers. Thanks for the heads up so I don't make an a** out of myself when I talk to geico in june.