[WHL102]

Hi all, looking to shop for a new insurance plan and I was wondering if any of you could provide your experience with any of the following:

1. Progressive - Lowest rate, but at what price?
2. Geico - Middle of the run price
3. eSurance - Slightly higher than Geico
4. State Farm - Wayyy more expensive than the rest.

My biggest worries are as follows:

1. Use of oem or aftermarket parts - how can I ensure my policy covers OEM
2. Ease/Speed of reimbursement
3. Use of preferred collision center
4. Any other things to consider?

Price comparison were based on the following coverage for the most part, would appreciate feedback on this as well:

Coverage Limits
New Jersey Tort Options: Limited Tort
Bodily Injury Liability (BI): $100,000/$300,000
Property Damage Liability (PD): $100,000
PIP Full PIP Primary: $250,000 limit medical/$250 deductible
PIP Full Health Primary: Not Included
PIP Med Only PIP Primary: Not Included
PIP Med Only Health Primary: Not Included
Add'l PIP Insured & Relative: Not Included
Add'l PIP Insured Only: $500/wk, $52,000 max ; $20/day, $14,600 max
Uninsured & Underinsured Motorist: $100,000/$300,000
Uninsured & Underinsured Motorist Property Damage: $100,000/$500 deductible
Medical Payments (MED): $1,000 (included at no additional cost)
Comprehensive (COMP):
2014 BMW 320 $500 deductible
Collision (COLL):
2014 BMW 320 $500 deductible
Emergency Road Service (ERS):
2014 BMW 320 Not Included
Rental Reimbursement (RR):
2014 BMW 320 Not Included