I spoke to my insurance agent about insuring my recently acquired 2008 Solstice GXP. The agent was not able to give much information about whether or not I should put theft and accident damage on the insurance.

One of my major goals in life is to keep a low overhead as I don't like to be encumbered by unnecessary bills. At the same time, I am fully aware that properly spent money for the proper reasons is a properly good thing.

That all being said the agent said it would be an extra $10 a month for theft. She said she had no idea how much if any amount of money the insurance company would pay if the car was stolen. She said it would depend upon the value. I don't know what book she is referring to.

As far as putting car accident damage reimbursement insurance on, I believe, though not sure, I don't remember at the moment, it was also approximately $10 a month. She again was not sure at all about how much would be covered.

In both cases mentioned above there are obviously different levels of deductibles that would affect the rates. She was referring to a 1000 deductible which delivers a $10 a month rate for adding theft and another for adding $10 a month for accident damage coverage.

I know it's only $10 or so a month each. However, it is been my experience that $10 + dollars + plus $10 plus $10, ad infinitum, equals added stress which doesn't necessarily fit my lifestyle. It bears repetition though: money well spent is money well spent. I'm not adverse to it, just would rather avoid it if it's not going to be a wise expenditure.

Does anybody have any knowledge about insuring these vehicles vis-à-vis such things as generally how much do insurance companies generally pay if one of these car is stolen? Do they do a decent job of covering car accident damage? Is it worth getting these types of insurance or not worth it? Just general opinions would be just fine, and of course appreciated, as he understand exact answers are not possible.

has anybody had one of these car sadly stolen? has anybody unfortunately gotten into a car accident and try to put it into insurance? Direct experience in my experience generally but not always leads to highly valuable feedback.

Thank you for any helpful feedback