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    Auto Liability Insurance, A Better Car Liability Insurance Choice

    Posted by on Thursday, February 26, 2009 · Leave a Comment 
     

     

    It’s not easy to earn a living, pay the mortgage or sometimes even put food on the table. The cost of living shouldn’t have to be any higher or harder to obtain than it already is. Many of us are living paycheck to paycheck. With these things in mind, taking care of our financial risks is crucial.

    How many daily risks do we take? Most of us drive to work with the rest of society through rush hour traffic.

     

    Some of us are talking on the phone while others are somehow enjoying breakfast on the go. Some of you probably seen Drivers with donuts in one hand and coffee in the other; focusing on driving with their knee. If you take a moment and really pay attention to the some of the drivers out there you will see that many of them are on auto pilot. It’s really pretty scary when you come to think about it. Do you know the person driving beside you? How they think or what’s really going through their mind is information you don’t have. You can only hope they’re paying attention. The best thing that you can do is drive as safe as you possibly can, hope for the best and be prepared for the worst. When choosing your auto insurance, it is important to get the right coverage. A contract providing the best financial protection in the event something does happen. For some of us, getting the right coverage means getting the lowest rate but I will tell you, that is not the best way to go about it if you really want to be financially protected from life’s uncertainties. In the state you live, your Government will require that you maintain a minimum liability insurance requirement before driving. State minimum liability limits will vary from state to state.

    Warning: State minimum required limits are known to be too low in some states.

    Liability Coverage – Go for better protection

    When getting auto insurance one thing that you will need to decide is: what limits you choose for your liability insurance coverage. In most cases you will choose from a variety of split limits available. An example of the state minimum liability limits is 15/30/10. 15 or $15,000 represent the total amount your insurance company will pay out for bodily injury you cause to one person in an accident. The 30 represents $30,000; which your insurance company will pay out in total for the sum of all on the injuries caused in one accident. So if you hurt three people causing $15,000 of bodily injury to each, only the first two will be covered by your Insurer since $30,000 is the total limit. The last number “10″ represents $10,000 your insurance company pay total for any damages you cause to the other Person’s vehicle.

    As you probably already know hospital bills as well as car body repairs can be very expensive. The thing you must ask yourself is, “are my liability limits set to an amount I feel comfortable with?” Anything that your insurance company does not pay, you will be held liable for. If you have these limits and smash into a luxury vehicle, do you really want to pay the remaining $22,000 still owed after your insurance company already paid it’s share? Heck no. This is what insurance is for; your financial protection against uncertain loss. Many insurance companies will recommend that you carry liability limits of 100/300/100. I’m personally comfortable with my 50/100/25 policy. The cost difference between the limits I chose and the state minimum required limits is about $90 annually. Having the feeling of a more secure financial future is well worth my $7.50 a month. Ultimately it’s up to you to decide where your comfort level sits. By selecting higher limits you decrease your chances of loss tremendously. Like I mentioned at the beginning of this article; it’s not easy earning a living or the things we own. Protect them as well as you can.

    Car Insurance Quotes

    The two best ways to get low cost car insurance is by comparing rates online and reducing risk.

    Find more information about combined single limit and split limit liability coverage by clicking here.

    State Liability Coverage Required: Required Limits By State


    Alaska Auto liability insurance:
    Required Split Limits 50/100/25,
    Combined Single Limit Required is (125)

    Alabama Auto liability insurance:
    Required Split Limits 20/40/10,
    Combined Single Limit Required is (50)

    Arkansas Auto liability insurance:
    Required Split Limits 25/50/15,
    Combined Single Limit Required is (65)

    Arizona Auto liability insurance:
    Required Split Limits 15/30/10,
    Combined Single Limit Required is (40)

    California Auto liability insurance:
    Required Split Limits 15/30/5,
    Combined Single Limit Required is (35)

    Colorado Auto liability insurance:
    Required Split Limits 25/50/15,
    Combined Single Limit Required is (65)

    Connecticut Auto liability insurance:
    Required Split Limits 20/40/10,
    Combined Single Limit Required is (50)

    Delaware Auto liability insurance:
    Required Split Limits 15/30/5,
    Combined Single Limit Required is (35)

    Florida Auto liability insurance:
    Required Split Limits 10/20/10,
    Combined Single Limit Required is (30)

    Georgia Auto liability insurance:
    Required Split Limits 15/30/10,
    Combined Single Limit Required is (40)

    Hawaii Auto liability insurance:
    Required Split Limits 20/40/10,
    Combined Single Limit Required is (50)

    Idaho Auto liability insurance:
    Required Split Limits 20/50/15,
    Combined Single Limit Required is (65)

    Illinois Auto liability insurance:
    Required Split Limits 20/40/15,
    Combined Single Limit Required is (55)

    Indiana Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Iowa Auto liability insurance:
    Required Split Limits 20/40/15,
    Combined Single Limit Required is (55)

    Kansas Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Kentucky Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Louisiana Auto liability insurance:
    Required Split Limits 10/20/10,
    Combined Single Limit Required is (30)

    Maine Auto liability insurance:
    Required Split Limits 50/100/25,
    Combined Single Limit Required is (125)

    Maryland Auto liability insurance:
    Required Split Limits 20/40/10,
    Combined Single Limit Required is (50)

    Massachusetts Auto liability insurance:
    Required Split Limits 20/40/5,
    Combined Single Limit Required is (45)

    Michigan Auto liability insurance:
    Required Split Limits 20/40/10,
    Combined Single Limit Required is (50)

    Minnesota Auto liability insurance:
    Required Split Limits 30/60/10,
    Combined Single Limit Required is (70)

    Mississippi Auto liability insurance:
    Required Split Limits 25/50/25,
    Combined Single Limit Required is (75)

    Missouri Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Montana Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Nebraska Auto liability insurance:
    Required Split Limits 25/50/25,
    Combined Single Limit Required is (75)

    New Hampshire Auto liability insurance:
    Required Split Limits 25/50/25,
    Combined Single Limit Required is (75)

    New Jersey Auto liability insurance:
    Required Split Limits 15/30/5,
    Combined Single Limit Required is (35)

    New Mexico Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Nevada Auto liability insurance:
    Required Split Limits 15/30/10,
    Combined Single Limit Required is (40)

    New York Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    North Carolina Auto liability insurance:
    Required Split Limits 30/60/25,
    Combined Single Limit Required is (85)

    North Dakota Auto liability insurance:
    Required Split Limits 25/50/25,
    Combined Single Limit Required is (75)

    Ohio Auto liability insurance:
    Required Split Limits 12.5/25/7.5,
    Combined Single Limit Required is (32.5)

    Oklahoma Auto liability insurance:
    Required Split Limits 10/20/10,
    Combined Single Limit Required is (30)

    Oregon Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Pennsylvania Auto liability insurance:
    Required Split Limits 15/30/5,
    Combined Single Limit Required is (35)

    Rhode Island Auto liability insurance:
    Required Split Limits 25/50/25,
    Combined Single Limit Required is (75)

    South Carolina Auto liability insurance:
    Required Split Limits 15/30/10,
    Combined Single Limit Required is (40)

    South Dakota Auto liability insurance:
    Required Split Limits 25/50/25,
    Combined Single Limit Required is (75)

    Tennessee Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Texas Auto liability insurance:
    Required Split Limits 20/40/15,
    Combined Single Limit Required is (55)

    Utah Auto liability insurance:
    Required Split Limits 25/50/15,
    Combined Single Limit Required is (65)

    Virginia Auto liability insurance:
    Required Split Limits 25/50/20,
    Combined Single Limit Required is (70)

    Vermont Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Washington Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    Wisconsin Auto liability insurance:
    Required Split Limits 25/50/10,
    Combined Single Limit Required is (60)

    West Virginia Auto liability insurance:
    Required Split Limits 20/40/10,
    Combined Single Limit Required is (50)

    Wyoming Auto liability insurance:
    Required Split Limits 25/50/20,
    Combined Single Limit Required is (70)

    Filed under Auto Insurance, Insurance News · Tagged


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