Auto Insurance

Important Things to Know About Auto Insurance

Liability Insurance only pays for the other person’s car

Liability Insurance for Bodily Injury and Property Limits

  • The first number is for injury or death of one person in an accident.
  • The second number is for injury or death of more than one person in an accident.
  • The third number is for damage to property which would repair or replace the car of anyone you hit.


Pays for damage to your car caused by an impact with another vehicle or object, or during a rollover.


Pays for damage caused by hazards other than collision, such as fire, theft, explosion, windstorm, hail, water or impact with an animal.

Uninsured/Underinsured Motorist Coverage

This helps cover costs if you are hit by someone without insurance, or minimal coverage.

Below is a basic guideline of the different levels Liability Coverages. The goal is that you want to be able to have the best coverage possible for what you can afford. Typically, additional coverage often isn't that much more expensive.

State Minimum

This level is not advisable, but it is better than not having any insurance at all. It is not enough to pay for serious injuries or replace a newer car. If you can’t afford more, than state minimum is enough coverage for you to drive legally.


If you don’t have a lot of assets, don’t drive much and are on a tight budget, you may want to consider this level of coverage.


If you have a steady income, with a typical level of savings, this level of coverage may be adequate. Once you have bought the basic levels, you’ll find that this does not increase exponentially for this level of better coverage.


If you own an expensive home or have saved regularly, you may be worth more than you realize. Our existing clients also find supplementing even at this high level of coverage with an umbrella liability policy. By doing so, extends their protection by $1 million or more. It’s relatively affordable.

A good rule of thumb to keep in mind is to make sure you’re covered for at least the amount equal to the total value of your assets.

Call today and talk to one of our experienced agents to find the right coverage for you. We offer flexible policy options, a smooth claims experience and helpful agents that can find you multiple discounts available to you. We can usually find you better coverage at better prices than what you’d find on your own.

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