How to Choose the Best Car Insurance for You

Liability Limits (Gross Vs Net)

If you cause an accident that causes property damage and/or bodily injury, your liability insurance will pay up to a specific amount of money. The minimum amount you can choose is typically $50,000 per person or $100,000 per accident. If you need higher limits in order to cover something like a leased vehicle (which has a higher replacement cost) it’s best to talk with your agent before choosing a high limit here.

Single Premium Vs Annual Multiples

If you’re looking to get some extra protection on your car, but don’t want to shell out a lot of money in one go, consider taking out an annual policy. This will spread your cost out evenly over 12 months, giving you greater flexibility when it comes time to renew. What is important is that you are happy with how much cover you have – make sure your chosen policy offers adequate coverage for your needs.

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