Compare Auto
Insurance Rates
Find the Lowest Car Insurance Rates!
Enter Your Zip Code

Zipcode

Are you insured? Yes No

 
Get up to 4 FREE Quotes!
Compare insurance rates from these companies and up to 30 others!

Just How Much Car Insurance is Required?

Finding a good reputable car insurance company is just the beginning. Then comes the sometimes confusing stage of deciding how much coverage is actually necessary. This is something that should be considered in detail before any policy is signed. Here are a few tips to help make that difficult decision when the time comes.

State Requirements: There is a bottom line in most states for insurance that any driver must legally hold. In other words, there is a minimum level of coverage that is literally required by law. It is usually stated in minimum dollars of insurance per type of coverage, like $20,000 for bodily injury, $40,000 for the accident itself, and $15,000 for property damage. The prices today tend to be much higher, especially in the case of car repair and medical costs, so it is prudent to purchase coverage well above the state minimum.

Driving Requirements: How much the car will be driven, as well as where it will be driven are both important concerns to consider before purchasing coverage. Drivers, who take long trips, often are statistically more likely to be in an accident than someone who just drives to and from work or to the store every so often. This should be a factor when thinking about coverage. The value of the car should also be a factor. Comprehensive levels of coverage, like collision insurance, should be dropped altogether for cars that are older and have little value. It is simply not worth the return, to pay a large premium every month to cover a car that is only worth a few hundred dollars. After the deductible is taken off, there may literally be nothing left for the insurance company to pay.

Be Completely Honest: No one can know what's going to happen in the future, so past experience is very important in the world of car insurance. Inexperienced drivers or drivers with a poor driving record should not try to cut corners when it comes to car insurance. Insurance isn't just about covering the driver of the car; it's about covering anyone else involved in the event of an accident. Being honest will be better for everyone in the long run when taking out a policy.

Money Requirements: While cutting corners should be avoided in order to get the best insurance possible for each particular driver, there is no reason to stray from a strict budget. There is no need to take policy options that are unnecessary just to have everything. Every driver has different requirements and should take the policy that suits them best.

Auto Insurance Articles
 
 
Ten Tips for Auto Insurance Buyers
Auto Insurance Glossary
Car Insurance: Everything You Need To Know
A Few Important Things to Know About Auto Insurance
Do I need auto insurance?
Is it mandatory to have vehicle insurance
Understanding liability insurance
Auto Insurance Information You Need To Know
The Facts Behind Auto Liability Insurance
Auto Insurance Coverage Is Something You Must Have
Understanding Auto Insurance Claims
Car Accidents Will Happen
No-Fault Insurance (It Does Not Cover Earthquakes!)
DUI's and YOU'
Auto Insurance (Abridged) Glossary of Terms

How to Find Affordable Auto Insurance on the Internet
The Best Auto Insurance Quotes
Looking for Cheap Auto Insurance Quotes?
Comparing Auto Insurance: The Best Way to the Best Policy
A Few Things to Remember When Looking for Auto Insurance
Auto Insurance Online - The New Way to Get Your Vehicle Covered
How to find the best auto insurance
Tips on finding low cost auto insurance
Making Auto Insurance Comparisons Is Important
What You Need To Remember About Auto Insurance Quotes Online
Finding Affordable Auto Insurance
The Search (for Auto Insurance Discounts) Is Over

Just How Much Car Insurance is Required
Five Important Factors That Influence Auto Insurance Premiums
Expensive Cars to Insure
Does Driving a SUV Mean Higher Car Insurance Rates?
Questions About Auto Insurance - You Must Know The Answers To!
Understanding Car Insurance Quotes
Auto Insurance Ratings
Have you read the fine print on your auto insurance terms?
Is it possible to buy good cheap auto insurance and what does that mean exactly?
Don't Be a Claim Duck!
What to Consider When Buying Auto Insurance
Insurance Rate Traits

Some Money-Saving Tips for Auto Insurance
Save Money with Auto Insurance Tips
The Importance of Saving Money on Auto Insurance
Affordable auto insurance - is that possible?
How To Save Money With Auto Insurance
Avoid Paying Too Much for Car Insurance
Is there really a thing such as discount auto insurance?
Saving Money is the Best Insurance Policy
Lower Rates for Your Midlife Crisis Car