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• WHAT IS AUTO INSURANCE
• HOW DO I CHOOSE AN INSURANCE COMPANY
• CAN I DRIVE LEGALLY WITHOUT INSURANCE
• WHAT DETERMINES THE PRICE OF MY POLICY
• WILL MY INSURANCE COVER A RENTAL CAR AFTER AN ACCIDENT
• WHAT TO DO IF I HAVE CAR ACCIDENT
• HOW DO I FILE AN INSURANCE CLAIM
• MOTORCYCLE INSURANCE
  
• RV INSURANCE
• WATER CRAFT AND BOAT INSURANCE
• WHAT IS COVERED BY A BASIC CAR INSURANCE POLICY
• WHAT IF I LEASE A CAR
  
• DO I NEED INSURANCE TO RENT A CAR?
• IS THERE A DIFFERENCE BETWEEN CANCELLATION AND NONRENEWAL?
• WHERE CAN I BUY INSURANCE?
• HOW CAN I SAVE MONEY?
• HOW MUCH COVERAGE DO I NEED?
• WHAT DOES MY CREDIT RATING HAVE TO DO WITH PURCHASING INSURANCE?
• WHAT CAN I DO IF I CAN'T FIND COVERAGE?
• HOW DO I INSURE MY TEENAGE DRIVER?
• SHOULD I PURCHASE AN UMBRELLA LIABILITY POLICY?
• WHAT SHOULD I DO IF I AM HAVING TROUBLE SETTLING MY CLAIM?
• IF I FILE A CLAIM, WILL MY PREMIUM GO UP?
• HOW ARE THE VALUE OF MY CAR AND THE COST OF REPAIR DETERMINED?
• WHAT ARE MY RIGHTS WHEN FILING A CLAIM?
• CAN MY INSURANCE COMPANY REQUIRE ME TO USE CERTAIN TYPES OF AUTO REPAIR PARTS?
• SHOPPING FOR A SAFE CAR
• TEENAGERS AND SAFE CARS
• AIR BAG SAFETY
• AT THE SCENE OF AN ACCIDENT
• CAR BREAKDOWN SAFETY
• CHILD SAFETY SEATS
• CELL PHONES AND DRIVING
• PREVENTING CARJACKING - THEFT
• DRIVING IN BAD WEATHER, ROAD RAGE AND ELDERLY DRIVERS
• AVOIDING DEER - CAR COLLISIONS

Almost every state requires you to buy a minimum amount of liability coverage.

Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits. If you’re found legally responsible for bills that are more than your insurance covers, you will have to pay the difference out of your own pocket. These costs could wipe you out! The Insurance Information Institute (I.I.I.) recommends that you have $100,000 of bodily injury protection per person and $300,000 per accident.

If your net worth is more than $300,000, consider buying additional liability insurance. You may also consider purchasing an umbrella or excess liability policy. These policies pay when your underlying coverages are exhausted. Typically, these policies cost between $200 and $300 per year for a million dollars in coverage. If you have your homeowners and auto insurance with the same company, check out the cost of coverage with this company first. If you have coverage with different companies, it may be easier to buy it from your auto insurance company.

In addition to liability coverage, consider buying collision and comprehensive coverage. You don't decide how much to buy. Your coverage reflects the market value of your car and the cost of repairing it.

Decide on a deductible—the amount of money you pay on a claim before the insurance company reimburses you. Typically, deductibles are $500 or $1,000; the higher your deductible, the lower your premium.

Article by: Insurance Information Institute

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