Most people would agree that auto insurance is the easiest insurance coverage to understand and purchase on their own. Unfortunately, this is not always true. Although bodily injury liability insurance covers medical treatment, rehabilitation for injuries, and/or funeral costs incurred by your passengers, the other driver, their passengers, and even pedestrians in most states, the state minimum requirements are much too low to protect the assets of most motorists. State required minimum property coverage limits are also inadequate; the average cost a new vehicle is $25,000 and the average state minimum property damage limit is only $15,000.
As is the case with homeowner’s insurance, most people do not realize they don’t have adequate protection until they need their insurance and realize it’s not enough, and by then it’s already too late. In addition to ensuring that you are adequately protected in the event of a serious car accident, there are also ways to save money and coverages that you carry but may not actually need – based on the state that you live in, your own assets and income, other insurance coverages you carry, and many other factors. Let one of our knowledgable personal insurance agents go over the specifics with you. We’ll help you maximize your protection while minimizing the cost.
It’s really all about protecting yourself financially.
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
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