Is $10,000 property damage ONLY enough insurance for me?

i know i sound a little dumb and your thinking "what the hell is wrong with you", but my driving record is almost forcing me to do this. i have 2 accidents, 4 speeding tickets, a dui and failure to obey stop sign. any major insurance company(geico, allstate, progressive,state farm, the general and esurance quote my premiums at 2 grand or like 4 hundred a month. thats outragiou sfor me so i just want to get this for my 65 mustang. i dont want to cover me or the car, just if i hit anything. i still need to reinstate my license since i havent driven in 3 years since the dui. im a twenty old year male who doesnt live in the city
Additional Details
i dont need an sr 22 filing, fortunately :)

:>)

Your last comment is quite amusing. So you think you should pay the same amount as another person, even if this other person has refrained from getting drunk and getting behind the wheel of a 3k pound car. Or would have loved to go 95 mph to get home quicker, but refrained from doing so in fear of crashing and killing another person?
You logic is astonishing. Be glad they are willing to offer you insurance- Driving is a privilege, not a requirement. Oh BTW, my 2008 Ford F450 cost me 54k last year. So your measly 10k wouldn't help if you caused an accident and did major damage to my truck. I would have to file on my ins. I think the minimum legal is 25k in property damage. I don't think you can purchase 10k in liability.

Vatchy

With that kind of record just imagine how much it would cost if you hit an 18-wheeler. I know somebody who did and their $50K coverage barely covered it. Also think about what it would cost if you hit just about any new car on the road today - they all cost more to fix than they cost new and $10K won't even cover the price of a new car.

Safe drivers pay less because they cost the insurance companies less.

David W

Countryboy, this is at least the third time you've asked this question; haven't you learned ANYTHING from the previous answers?

If you want to drive with only an SR bond, OK, but you'd better have at least $50,000 hanging around and nothing better to do with it. With the record you've established, you're lucky some company doesn't insist on a "cost plus" policy! Unless you have a real epiphany soon, you're just about guaranteed to be a dead loss for any insurance company you go with.

Firecracker .

Don't forget that you'll have to cover medical, too.

You have no reason to whine about high rates - you caused them for yourself.
Yes, I do know, but don't feel inclined to say how.
Let's just say it was the hard way.
I paid the high rates.
Now, I get the 20% safe driver discount (even though I ride my motorbike in the snow) because I have proven over the years that I don't crash into stuff.

tennis girl

yes i think so.......haven't u asked this question before and i said i don't know??

snowcone

There's no morality issue with charging bad drivers more for their insurance. I'm surprised that they would insure you at all. And, 10k is a drop in the bucket if you hit someone in a newer car. And we're not even talking about if you actually injured the other driver. Medical bills can go in to the hundreds of thousands.

Reallyconcerned

Yes. But if you have problems driving or prior accident you may need more.

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