A little help...

I know this is OFFICIALLY the lamest blog post ever, but help me out a little would you?!?

It's my car insurance (no...really, I'm being serious). As I mentioned before, Nevada is one of the highest priced states in the nation for car insurance.

I know the minimum requirements from the state are too low and could be the cause of a lot of problems in the case of an accident, injuries etc... And I also know that the agent on the other end of the phone is trying to sell me the most premium plan imaginable with coverages that are on and beyond what I really need.

So (I warned you that this was lame and you chose to keep reading...you are a true friend!) what is a good happy medium coverage amount that will cover us if an accident ever were to happen, but won't cost me an arm and a leg for coverage amounts that I don't really need. Please enlighten me (I know some of you used to work at Geico...you know who you are).

As a side note (I should have included photos of this one, sorry) speaking of car insurance...I did officially run into the Sequoia with the Camry pulling into our driveway the other night. Yes the Sequoia that just got out of the shop after the car bombing, yes the exact same spot where the body shop had just repainted, yes I am a little, shall we say...graceful, coordinated (feel free to fill in a word here___________). No, it wasn't bad, just a little paint exchanged between vehicles, but bad enough that I got the "C a r r r r r r i e" voice from my hubby. And I'm afraid to admit that this ISN'T the first time I've run into one of our cars with the other one. Ha...maybe I do need the very highest coverage possible since I have now proven myself to be a little questionable in the driving department.

Anyway...I'm calling today, what coverage amounts do I need? (If anybody really gives me honest, true, good advice I will probably mail you a special thank you surprise!)