Or some drivers might not have enough liability insurance to cover an expensive car accident. Uninsured motorist coverageĮven though liability car insurance is required in most states, not all drivers abide by the law.

A good rule of thumb is to buy enough liability insurance to cover what could be taken from you in a lawsuit. For example, if you caused a car crash in Texas that caused multiple injuries and resulted in more than $60,000 in medical bills, you would be responsible for the amount that exceeds $60,000. It’s a good idea to buy more than your state’s minimum required amount of liability insurance. $60,000 for bodily injury or death for two or more people.$30,000 for bodily injury or death of one person.For example, if you buy car insurance in Texas, you must buy at least 30/60/25, which means:

You are required to have liability car insurance in most states, except for New Hampshire and Virginia. It also covers legal expenses if you are sued because of an accident. If you cause a car accident that results in property damage or injuries to others, liability car insurance pays for repair bills and medical expenses. Here are the main types of car insurance. But if you buy too much, you’re overpaying for coverage you don’t need. If you don’t have enough coverage, you could be underinsured. If you already have insurance and plan to switch car insurance companies, now is a good time to figure out if your current coverage amounts still meet your needs. Related: How to buy car insurance (5 easy steps) Decide How Much Coverage You Needīefore you purchase a policy, you’ll need to determine how much car insurance you need. Your current insurance company (if you have one) and coverage limits.Garaging address (usually your home address).Vehicle information for all vehicles on the policy, including year, make, model and vehicle identification number (VIN).Driving history for all drivers on the policy, including traffic violations, at-fault accidents and any completed safe-driving courses.Date of birth for all drivers on the policy.Driver’s license numbers for all drivers on the policy.

The first step in buying cheap car insurance is to have the necessary information on hand:

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