Will it save you money on your monthly premium? Sure, but it can put you and your car in danger, and you might land in debt just trying to save a few bucks. <\/p>\n\n\n\n
Keep reading to better understand what minimum insurance is and why you always need to get more than the minimum. <\/p>\n\n\n\n
What Is Minimum Auto Insurance?<\/strong> <\/p>\n\n\n\n Minimum insurance refers to the state-required minimum car insurance. Typically, this is limited to liability coverage<\/a>. Such coverage is intended to help pay for any damages you cause in wrecks for which you are liable. <\/p>\n\n\n\n As we noted before, getting only the minimum required car insurance may seem like a good idea if you want the lowest possible monthly premium. Below, though, we\u2019ve compiled the biggest reasons that you always need to get additional insurance! <\/p>\n\n\n\n At a bare minimum, we often recommend drivers get collision coverage<\/a> on top of liability coverage. That\u2019s because if you stick with only liability coverage, you\u2019re putting your vehicle in danger. <\/p>\n\n\n\n If you are at fault for an accident, liability insurance will help pay for any bodily injuries (such as to other drivers) and property damage (such as to the other driver\u2019s car) that you may cause. However, liability insurance will not pay to repair the damage to your car if you are at fault. <\/p>\n\n\n\n With collision insurance, your insurance carrier will pay to repair or even replace your vehicle regardless of who is at fault. Just imagine going a month without a car and you can see why you need more than only liability coverage! <\/p>\n\n\n\n When you purchase insurance, you can purchase different coverage amounts. The state-required minimum insurance will set a certain amount that the state feels is sufficient to cover most damage in most accidents. <\/p>\n\n\n\n Of course, the keyword there is most<\/em>. In the event of a bad wreck, there may be property damage and bodily injury that exceeds your minimum coverage limit. After that, you are on the hook for anything your insurance didn\u2019t cover. <\/p>\n\n\n\n Given how expensive time in the hospital can be, someone\u2019s medical bills when you are at fault may be enough to put you in serious debt. <\/p>\n\n\n\n We have focused on why you\u2019d want more than liability coverage in the event that you are at fault for an accident. However, what if you get in a wreck and someone else is at fault? <\/p>\n\n\n\n When this happens, the other driver\u2019s liability coverage is supposed to help pay for the damage. Unfortunately, some drivers illegally drive without car insurance<\/a>. Other drivers may also have the cheapest possible insurance, meaning they can\u2019t fully pay for the damage they cause. <\/p>\n\n\n\n In those cases, another driver would have to pay for the damage out of pocket. If they don\u2019t have enough money, then you\u2019ll be stuck with the bill! If you add collision coverage to your policy, you\u2019ll have the peace of mind of knowing your own car damage is covered no matter what the other driver\u2019s insurance looks like. <\/p>\n\n\n\n Did you know that if your car is stolen and you only have the basic liability, you are out of luck? Comprehensive coverage<\/a> helps pay for damage to your vehicle when nobody is driving, and you may be surprised by how often that comes in handy. <\/p>\n\n\n\n For example, your car may get vandalized, especially if you are visiting a new area. For that matter, your car could even get stolen while you are inside a restaurant, hotel, or other location. <\/p>\n\n\n\n Neither liability insurance nor collision insurance covers these scenarios. If you add comprehensive coverage to your policy, you don\u2019t have to worry about what will happen to your car when your back is turned. <\/p>\n\n\n Theft and vandalism aren\u2019t the only things that can happen to your car after you leave the vehicle. You also need to worry about a full range of possible environmental dangers. <\/p>\n\n\n\n One such danger is extreme weather. This may include things like tornados and hurricanes. It can also include brief bouts of hail<\/a> that end up putting several major holes in your beloved car. <\/p>\n\n\n\n Sometimes, it\u2019s even possible for a tree to land directly on your car, which can be enough to possibly total the vehicle. As usual, neither liability nor collision coverage will cover this damage. So long as you have comprehensive insurance on your policy, you\u2019ll be fine. <\/p>\n\n\n\n The final reason you should get more than the state-required minimum auto insurance is simple. Getting more coverage is more affordable than you think! <\/p>\n\n\n\n Most who opt for minimum insurance are hoping to save a few bucks on their monthly premium. As we outlined above, though, you may try to save a few bucks only to end up in major debt after a car wreck. <\/p>\n\n\n\n While adding additional coverage will be more expensive, it doesn\u2019t have to be as expensive as you imagine. Finding a price you are happy with means finding special insurance discounts that can make your premium more affordable. You can negotiate the right combination of coverage limits and deductibles<\/a> to lower your payment, as well. <\/p>\n\n\n\n And if you\u2019re paying too much through your current insurance carrier, you can get really affordable car insurance by simply shopping around<\/a> and getting quotes from other carriers! <\/p>\n\n\n\n Now you know why you always need more than the minimum car insurance. But do you know where you can get both the coverage and the cost you\u2019ve been looking for? <\/p>\n\n\n\n At InsureOne, we specialize in offering the car insurance that you, your family, and your car deserve. We are always ready for you to get a quote online<\/a>. Alternatively, you can pick up the phone and give us a quick call at 800-836-2240<\/a>. Finally, feel free to come into one of our convenient nearby offices<\/a>!\u00a0<\/p>\n\n\n\n1. Minimum Insurance Puts Your Vehicle in Danger <\/h2>\n\n\n\n
2. Damages Are Often More than the Minimum Insurance <\/h2>\n\n\n\n
3. The Danger of Uninsured (or Underinsured) Drivers <\/h2>\n\n\n\n
4. Minimum Insurance Does Not Pay for Theft and Vandalism <\/h2>\n\n\n\n
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<\/figure><\/div>\n\n\n5. Different Environmental Dangers Aren\u2019t Covered with Minimum Insurance <\/h2>\n\n\n\n
6. Getting More Car Insurance Coverage Is Very Affordable <\/h2>\n\n\n\n
Get the Best Car Insurance Today! <\/h2>\n\n\n\n