Hi,

I am a young driver and am planning to purchase a car and therefore an insurance. I am 19 years old, have had driver’s license for a little over a year (but did not drive) and live in CT.
I am planning to purchase not-a-sports sedan so my insurance is not extremely high. As for the insurance, I am planning to get 25/40 limits, one-sided insurance policy without any extra coverages. My relatives , however, insist on purchasing a 50/100 insurance policy because they are afraid I will get into an accident and will not be able to pay off my debt. What should I do? Is it so?
Basically, I know there is an underinsured coverage. So, in case if I get into an accident and let’s assume the worst case scenario – I am the culprit of it. So, if the amount of damage exceeds my limits (25/40) and the other driver bought an underinsured coverage policy, the damage will be covered by his own company. Since I am going to have a one-sided coverage, my damages will not be covered. In the end, I will not be asked to pay off the difference between the limits or will I? My main concern is that I will get into an accident and will be charged enormous amount of money, which will not be able to pay off. Please clarify for me some of these details and offer any advices for a young driver.

By the way, what did you hear about Esurance? Is it a reliable company comparing to, let’s say, Progressive or Geico? The reason I am asking is that I got a quote from both Esurance and Progressive.
Esurance said it will charge $100 a month (limits: 25/40)
Progressive said it’ll charge $450 a month (limits: 50/100).
I do realize that the difference is partially due to selection of different limits. However, the price difference is enormous. What could affect these two numbers?

Will be appreciative for any help.
Thanks in advance.
I do not really want to talk to an insurance agent about my concerns. I feel they will get this information and realize that I am shopping around. Thus price will go up.
I do not have parents here. So, I do not have someone to take me under their coverage.
The issue is either I am getting a 25/40 coverage or nothing at all. I am a full-time student and work part-time…will have to pay for insurance myself. I can afford 25/40 but not others. At the same, I want to make sure that I will not have to go to courts for the rest of my life…