Tips For Choosing Appropriate Auto Insurance Limits
One of the hardest decisions when purchasing auto insurance is determining an appropriate level of coverage that will not only provide you with adequate protection, but keep your bank account stable as well.
One important area to understand is state limits. Each state within the United States has a required amount of auto insurance that one must hold in order to legally cruise the roads. However, just because you have purchased the minimum amount of auto insurance that is required in your state does not mean that you are protected to the fullest.
This is a common misconception amongst motorists as they assume that the best way to seek coverage is to obtain the state's required limits, which unfortunately are not the most recommended. For example, in California, the minimum liability insurance includes $15,000 for injury/death of one person in an accident, $30,000 for injury/death of multiple individuals, and $5,000 for property damage. However, if you were involved in a serious accident involving multiple cars and injuries, the costs would likely far exceed these limits.
To combat this possibility of being underinsured, it is important that you sit down with an experienced independent insurance agent, such as the knowledgeable professionals at Little & Sons Insurance Group so that you can discuss all the various limit options. It may be worth it to invest in an umbrella insurance policy, which extends liability limits to $1 million or more. These unique policies ensure that you will be fully protected from the litigious society we currently live in.
Serving Beaumont, Banning, Calimesa, and Redlands,
contact Little & Sons Insurance Group for all of your California
auto insurance needs. We will help you determine the appropriate coverage limits so that you can feel 100 percent confident in your level of coverage. There is no reason to hold auto insurance that does not give you peace of mind!
Tips For Choosing Appropriate Auto Insurance Limits
One of the hardest decisions when purchasing auto insurance is determining an appropriate level of coverage that will not only provide you with adequate protection, but keep your bank account stable as well.
One important area to understand is state limits. Each state within the United States has a required amount of auto insurance that one must hold in order to legally cruise the roads. However, just because you have purchased the minimum amount of auto insurance that is required in your state does not mean that you are protected to the fullest.
This is a common misconception amongst motorists as they assume that the best way to seek coverage is to obtain the state's required limits, which unfortunately are not the most recommended. For example, in California, the minimum liability insurance includes $15,000 for injury/death of one person in an accident, $30,000 for injury/death of multiple individuals, and $5,000 for property damage. However, if you were involved in a serious accident involving multiple cars and injuries, the costs would likely far exceed these limits.
To combat this possibility of being underinsured, it is important that you sit down with an experienced independent insurance agent, such as the knowledgeable professionals at Little & Sons Insurance Group so that you can discuss all the various limit options. It may be worth it to invest in an umbrella insurance policy, which extends liability limits to $1 million or more. These unique policies ensure that you will be fully protected from the litigious society we currently live in.
Serving Beaumont, Banning, Calimesa, and Redlands, contact Little & Sons Insurance Group for all of your California auto insurance needs. We will help you determine the appropriate coverage limits so that you can feel 100 percent confident in your level of coverage. There is no reason to hold auto insurance that does not give you peace of mind!
