Car Insurance Coverage Suggestions For All Drivers

To most Americans, owning and driving a car is an essential part of life.  Having good car insurance is just as essential.  There are many people, however, who either don’t have the funds to have excellent auto insurance protection, or just don’t see it as a necessity.  State law requires each driver in its respective state to carry a minimum amount of liability insurance, but other than that it’s the driver’s responsibility to decide how much coverage is needed.

If you want the cheapest auto insurance possible…

If you are a driver who just can’t seem to find affordable auto insurance and are looking to cut costs, then you may want to consider purchasing just liability insurance at the state minimum amount.  If you have liability only coverage, you have no uninsured motorist, no rental car or towing, no collision, and no comprehensive coverage.  Plainly stated, if anything happens other than a minor fender bender, you have no protection.  Having little insurance is better than no insurance, but if you can help it, you should probably try to purchase more.

If you want average protection at a good price…

Many drivers don’t want to spend a ton of money on car insurance, but at the same time want adequate coverage. Adequate coverage can be defined in many different ways, but we are defining adequate coverage as 1) liability limits that are above the state minimum, 2) uninsured and under insured motorist coverage included on the policy, and 3) either personal injury protection or medical payments coverage included.  If you want average protection and affordable auto insurance, this is probably the best route.  It is important to note that the coverage listed still does not include comprehensive or collision coverage.

If you want excellent auto insurance protection…

A good majority of drivers are well aware of the many risks involved in car travel, and thus want excellent coverage.  If you are a driver that wants excellent protection for your vehicles and safety, the section is for you.  Excellent auto insurance should be defined as 1) liability limits that are at least 100/300/100, 2) collision and comprehensive coverage for all vehicles, 3) uninsured and under insured motorist protection, and 4) personal injury protection coverage.  With all of the above-mentioned coverage, you will have excellent auto insurance protection.  You will have ample protection for any damage to your own vehicle and passengers, and should have enough liability protection to cover any major loss that may occur.