How Much Car Insurance Do I Need?

How much car insurance do I really need?

Many people do not realize they may not have the correct amount of auto coverage. Too little could leave you paying hefty bills in the case of an accident. Too much could have you overpaying. Here’s what you need to know:

What type of car insurance do I need?

Most states typically require liability coverage. Liability coverage will cover most, if not all, damages and injuries you cause to the other driver. Although, it will not compensate you or your passengers. Liability coverage is an affordable option but may only offer some of the coverage you will need.

  • Collision coverage is not state-required but is usually required by leasing or financing offices. Collision covers replacing or repairing your car caused by other drivers or objects you hit.
  • Comprehensive coverage is also not state-required but is usually required by leasing or financing offices. Comprehensive covers damage to your car that happened from outside of your control. This could include theft, vandalism, flood, etc.
  • Personal injury protection (PIP) is required in some states. It can cover medical bills, lost wages, and funeral expenses.
  • Medical payments (Medpay) coverage is optional in most states. It pays for medical expenses in most cases.
  • Uninsured/underinsured motorist coverage pays for injuries & damages caused by drivers with too little or no insurance.

How much will it cost?

How much car insurance will cost depends on many different factors. Your driving record and age can play a significant role in how much your rate will be. Drivers with numerous tickets or accidents could end up paying more than someone with a clean record. A clean driving record could get you a discount on your rate.

Talk to one of our experienced Avery Hall agents to learn more about which plan works best for you by texting or calling 410-742-5111.

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