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Nearly all states require its car owners to carry some auto insurance. Most states require minimum values for various policies and failure to comply often means that authorities can impound your vehicle. It is best to check on your state’s minimums before you agree to pay for any car insurance coverage to Spanish car insurance company.

While many states only require minimum coverage, this shouldn’t mean that minimum is all you should have. When costs exceed the limits of your coverage, you will be responsible to pay for the excess. This is why it is a wise move to opt for a policy that covers far more than your state’s required minimums. This is especially true when you have assets that the authorities can seize to pay for medical care and auto repairs.

A good rule of thumb would be to make sure that you are covered for the amount equal to the total value of your assets. This means the total dollar values of your car, house, investments, and savings. However, many people still don’t know just how much insurance they truly need to guarantee adequate coverage. Here are some insights to remember when customizing a policy beyond your jurisdiction’s minimums:

  • You probably don’t have to spend tons of money on personal injury protection, especially when you already have health and disability insurance care of your employer. Buy the required minimum, and you will be all set.
  • On the other hand, you need to get adequate coverage against under insured and uninsured drivers. This is relatively inexpensive and in most states; your policy can help cover the costs that your health insurance won’t if you are ever in a collision with an underinsured or uninsured driver.
  • Lastly, choose the highest deductible that you can afford, because this will significantly lower your premium.
Posted 5:12 AM  View Comments

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