Frequently Asked Questions

How Much Insurance Coverage Do I Need?

This question is one that will vary significantly depending on your specific situation and needs. There are some factors that you should keep in mind and assess about yourself that should help dictate what the correct amount of coverage will be.

• How much can you afford to pay out of pocket? Choose a deductible that you know for sure will not be a problem to spend out of pocket. Keep in mind that if you choose the best liability limits and are in an accident that you are less likely to be responsible for damages.
• Do you make payments on your car? If so you may be required to have Comprehensive and Collision on your policy as well as Liability coverage.
• What type of vehicle do you have? For example bigger vehicles such as a truck or an SUV that can cause some real damage you may want to have higher limits, same may apply for a vehicle that is more prone to damage.
• Are there drivers in your home that do not drive your vehicles? If this is the case then you can have certain coverages removed or added to your policy if they do drive your vehicles and are not included already.

Knowing the exact amount of coverage needed may take a little bit of research, but keeping the right balance of saving money and being safe will be a great overall feeling when insuring your car.