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The Truth About What You Need For Auto Insurance Coverage

Updated on June 28, 2015

Are you paying too much or too little for car insurance? Read and find out!

I am an insurance agent and I deal with people every single day. I would say almost a whopping 80 percent of people don't know how much coverage they have for insurance, nor do they know what they should have, or why they should have it. It's quite simple really- just a few questions and answers and you should be able to come up with coverage you need at a price you can afford.

How Did You Come Up With Your Current Coverage?

Whenever you get a moment, take a look at your auto insurance policy.

Depending on what state you live in, you will have various coverage to look at and choose from. The main coverage you need to worry about are:

  1. What is your Bodily Injury coverage? It should look like this: 100/300 or maybe 50/100
  2. What is your property damage coverage? It should be one amount, like 25, 50, 100, etc.
  3. What is your UIM or uninsured motorist coverage? It should be the same as your Bodily Injury Coverage.
  4. Do you have full coverage on your vehicles? In other words, do you have deductibles you would pay if something happens to your vehicle and you need to get it fixed?
  5. Is your car worth having full coverage on? Are you paying a fortune to have full coverage on a car that is worth nothing?
  6. Do you have roadside assistance and rental car coverage if you need it?

Are Your Kids Covered?

What you need, in a nutshell

if you rent your home and you do not have a lot of assets, you do NOT need large coverage on your bodily injury. Remember- you can only be sued for what you own. For example, someone who owns a half million dollar home may want to be insured at 250/500, which means in the event that person causes an at-fault accident with bodily injury, the insurance company will protect their asset. If you're a renter and you have nothing in your checking account and don't make much money, don't just pick up where your parents left off. Call an insurance agent and tell them your situation. You can save a lot of money because the truth is, if you cause an accident you have nothing to sue for- and you can't sue a person for something they don't own. Insurance agents will know the correct coverage you should have.

You also want to make sure to have full coverage if you need it, or just liability insurance if you don't.

You should always know what's on a copy of your Motor Vehicle Record so there are no surprises. The tickets and accidents will remain on your record for three years. In California it's seven years. Once a ticket or accident falls off your record, make sure to call your insurance company and tell them to lower your premium. Several will keep charging you the higher premium- it happens all the time.

Parents Keep Your Toys To Yourselves

Did you get a moving violation? Look into your options!

If you have received a speeding ticket or any sort of moving violation, you may have other options than to just pay the ticket. Several states will allow you to go to the courthouse in their area and pay the ticket double, so that it stays off your record as a non moving violation. This might seem like a lot of money to pay up front, but it's worth it for the next three years. It never hurts to ask if you can get the ticket changed to a non moving violation. Another way to ask to get a ticket removed is to go to court and ask to have the ticket remanded. You will have to ask for a continuance to talk to the prosecutors. The continuance will likely be 3-4 weeks and you simply talk to the prosecutor and then see the judge. In most cases the judges will sign off on what the prosecutors recommend. If you don't have the money to pay your ticket, you can also do a 'diversion' program which will allow you to take classes or to do public service to have your ticket taken off your record.

**Do not blow off paying the ticket for any reason- this may result in a warrant for your arrest. There is no need to get a lawyer for simple moving violations. However, violations like 'Driving While Under the Influence' and other Major Convictions do require attorneys- but I am not discussing those violations.

Be a Safe Driver and Try to Avoid Wrecks Like These

Do You Know Your Car Insurance Coverage?

Do You Know What Coverage You Have with Your Auto Insurance?

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Feel Free to Comment or Ask Questions

I am a licensed insurance agents in 44 states and 2 territories, so if you have questions feel free to ask them and I will answer them as best I can! Thanks for reading!


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