Auto Insurance Coverage

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Auto Insurance Coverage: Recommended & Required

Find out how much automobile insurance you are legally required to carry, and consider additional coverage to protect your finances in the event of an accident.

Find sufficient auto insurance coverage at an affordable rate by comparing the leading companies online.

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Nearly all 50 states requires you to buy a minimum amount of auto insurance coverage (liability coverage) to prove your financial responsibility in case of an accident. However, it is strongly recommended that you carry significantly more than the minimum required limits, particularly if you have substantial personal assets that you would like to protect.

Most reputable sources recommend that you carry at least $100,000 of bodily injury protection per person and $300,000 per accident. If your net worth is more than $300,000, consider buying additional liability insurance. If you have your homeowners and auto insurance with the same company, check out the cost of umbrella coverage with this insurance company. An umbrella policy can provide excess coverage above and beyond your auto insurance coverage. If you have coverage with different companies (for homeowners and auto insurance), it may be easier to buy it from your auto insurance company.

In addition to liability coverage, consider buying collision and comprehensive coverage. You don't decide how much to buy. Your auto insurance coverage reflects the market value of your car and the cost of repairing it.

Decide on a deductible -- the amount of money you pay on a claim before the insurance company reimburses you. Typically, deductibles are $500 or $1,000; the higher your deductible, the lower your premium.

To Begin your free no-obligation auto insurance quote today simply select your state from the box at the upper right and you can select the company to provide your auto insurance quote or quotes on the next page.

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