{"id":1511,"date":"2018-06-24T18:48:17","date_gmt":"2018-06-25T01:48:17","guid":{"rendered":"https:\/\/blog.answerfinancial.com\/?p=1511"},"modified":"2020-01-21T14:43:21","modified_gmt":"2020-01-21T22:43:21","slug":"how-much-auto-insurance-coverage-do-i-need","status":"publish","type":"post","link":"https:\/\/blog.answerfinancial.com\/how-much-auto-insurance-coverage-do-i-need\/","title":{"rendered":"How much car insurance coverage do I need?"},"content":{"rendered":"<p>While the phrase &#8220;less is more&#8221; may be true when you\u2019re decorating or accessorizing, when it comes to auto insurance, more is less: the more coverage you have, the less it will cost you if you get in an accident. While there\u2019s no hard and fast rule about how much car insurance coverage you should have, most states require that you carry only a minimum level of auto insurance coverage.<\/p>\n<p>However, be aware that most auto insurance companies advise against carrying only your state\u2019s minimum auto insurance requirements. Why? Because if you\u2019re involved in a serious accident, the costs will significantly exceed your auto insurance coverage\u2014 making you liable for thousands of dollars out of your own pocket! Don\u2019t skimp on your auto insurance coverage. You\u2019ll need it to protect you if you\u2019re ever involved in an accident.<\/p>\n<p>So, how much auto insurance coverage is adequate? The amount of auto insurance coverage you need depends on a variety of factors. Some factors you should consider when you buy auto insurance coverage include:<\/p>\n<ul>\n<li>Your appetite for risk \u2014 If you don\u2019t like taking risks, your auto insurance coverage should reflect that with high coverage limits and low auto insurance deductibles.<\/li>\n<li>Risks associated with where you live \u2014 Do you live among wildlife, or are fender benders a common occurrence where you live? If so, beef up on your coverage.<\/li>\n<li>Your vehicle \u2014 If you have a brand new vehicle, you may want to increase your auto insurance coverage to protect your investment in the event you\u2019re involved in an accident.<\/li>\n<li>Your assets \u2014The more assets you have, the more auto insurance coverage you need to protect them.<\/li>\n<li>Your passengers \u2014 Do you regularly have young passengers in your vehicle? If so, get auto insurance coverage to protect them should you be involved in an accident.<\/li>\n<\/ul>\n<p>After an accident, especially a serious one, the last thing you want to worry about is how much it\u2019s going to cost you. Adequate car insurance coverage will make the process that much easier. Typically, higher limits cost only a few dollars more. And if you have an accident, you\u2019ll thank yourself for investing in additional auto insurance coverage.<\/p>\n<p>For more information, give one of our licensed agents a call at 1-800-258-5101 or head to <a href=\"https:\/\/www.answerfinancial.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">AnswerFinancial.com<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>While the phrase &#8220;less is more&#8221; may be true when you\u2019re decorating or accessorizing, when it comes to auto insurance, more is less: the more coverage you have, the less it will cost you if you get in an accident. While there\u2019s no hard and fast rule about how much car insurance coverage you should&hellip;<\/p>\n","protected":false},"author":1,"featured_media":8072,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[422],"tags":[119],"class_list":["post-1511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto","tag-auto-insurance-2"],"ic_custom":{"author_name":"admin","medium_thumbnail":"<img width=\"300\" height=\"200\" src=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2011\/06\/how-much-auto-insurance-coverage-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"how-much-auto-insurance-coverage\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/blog.answerfinancial.com\/wp-content\/uploads\/2011\/06\/how-much-auto-insurance-coverage-300x200.jpg 300w, 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