How Much Car Insurance Do You Need?





The next time you’re on the freeway, think about this: Approximately one of every seven U.S. drivers on the road has no automobile insurance. That’s the most recent estimate from the Insurance Research Council, which noted that the five states with the highest percentage of uninsured drivers were Florida, Mississippi, New Mexico, Oklahoma and Tennessee. With that many people driving without coverage, it’s more important than ever for you to be insured. But how much car insurance do you need to have?

If you’re like many people, you might be in an economic pinch these days. Your inclination might be to get the minimum insurance coverage required by law in your state. The trouble with minimum coverage is that it might not fully protect you — or your assets — if you’re at fault in an accident. It’s a better idea to carry more than the minimum coverage unless you are driving an older car with little value and have no assets to protect.

Every state in the nation except for New Hampshire requires you to have liability insurance. That mandatory coverage varies according to state.

The chart below shows minimum liability limits (in thousands of dollars):
Bodily injury liability for one person in an accident
Bodily injury liability for all people injured in an accident
Property damage liability for one accident
In Alabama, for example, the minimum requirements are $25,000 of bodily injury liability for one person, $50,000 bodily injury liability for all people in an accident and $25,000 property damage liability. Another type of coverage, personal injury protection (PIP), or a system called medical payments (MedPay) in some states, pays for your own medical expenses, any lost wages and whatever other costs may arise when you’re injured in an accident. It usually pays about 80 percent of your losses, and it also pays a death benefit. PIP is required in Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah. In Arkansas and Maryland, the coverage is not required, but drivers must reject it in writing if they choose not to purchase it.

Some states also require you to purchase car insurance that will cover your medical expenses, pain and suffering losses and, in some states, car damage, in the event that the other motorist is at fault and is either uninsured or underinsured. The chart below also lists the states that require this uninsured or underinsured motorist coverage.

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How to Reduce Your Car Insurance Costs





Watch more Understanding Insurance videos: http://www.howcast.com/videos/311122-How-to-Reduce-Your-Car-Insurance-Costs

There’s nothing you can do about gas prices, but there are many things you can to reduce your car insurance costs.

Step 1: Request a credit report
Get a free copy of your credit report from annualcreditreport.com and check for errors that may be affecting your rates. Ninety-two percent of insurers consider credit history when determining premium rates.

Step 2: Assess your car’s value
Determine the value of your car through a source like the Kelley Blue Book. If you decide that your car would not be worth fixing after an accident, drop collision insurance, and just keep the minimum insurance required by law.

Tip
Consider trading in your car for a lower-profile vehicle. Snazzy rides cost more to insure.

Step 3: Pay a high deductible to save money in the long run
Reduce your premium by 15 to 40 percent by requesting a high deductible, which is the amount of money you would have to pay in the event of filing an insurance claim.

Step 4: Seek out discounts
Make sure you are getting all the discounts you’re entitled to. Many insurance companies provide a lower rate to drivers over 50, those who have car-safety features or anti-theft devices, a good driving record, and low annual mileage. Students with good grades also qualify for lower premiums.

Step 5: See if you apply for a multi-policy or car discounts
Receive a multi-vehicle discount by insuring all your family vehicles through one company, or a multi-policy discount if you have another form of insurance with the same company.

Tip
If you have teenage drivers, invest in a defensive driving course for them after they get their license. These programs not only teach safer driving techniques, they can also reduce your premium up to 15 percent.

Step 6: Reduce your annual car mileage
Drive less often. If you drive fewer than 7,500 miles a year and do not use your car for business purposes, you may reduce your premium by as much as 18 percent.

Did You Know?
The most expensive place to buy auto insurance is the District of Columbia, with an average cost of $1,164 in 2006.

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