Pay as much as it takes to get the coverage you need to protect you and your family adequately.
Once you determine how much coverage you need, shop around with several different insurance agents and make sure to include an independent insurance agent that isn't tied to just one company.
Your rate will be based on many factors including: coverage limits, deductible levels, additional benefits, driving records, number and types of vehicles, age of drivers, and location. Shopping around will ensure you have the lowest rate.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Operating a car is expensive. Interestingly, it is much more expensive in most other countries. Insurance is one of the expenses of owning a car. If you have enough cash on hand to purchase another car should your car be determined to be a complete loss in an accident, you really don’t need physical damage, comprehensive and collision, coverage at all. However it is unlikely you could pay for a large lawsuit resulting from personal injury and property damage that comes from an accident in which you are the guilty party. For that you should carry the highest liability limit that you can afford. What often appears to be the least expensive auto insurance can become the most expensive policy possible if the lawsuit and judgment exceeds the limits of liability in your auto policy. The cheapest auto insurance is the policy that pays the highest possible amount when you are sued.
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Once you determine how much coverage you need, shop around with several different insurance agents and make sure to include an independent insurance agent that isn't tied to just one company.
Your rate will be based on many factors including: coverage limits, deductible levels, additional benefits, driving records, number and types of vehicles, age of drivers, and location. Shopping around will ensure you have the lowest rate.