What Are The Auto Liability Insurance State Minimums For My State?Written by Tim Gorman
As you shop online for best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines auto liability insurance state minimums that you are required to have in order to legally drive in United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire. Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to increased amount of money needed to rectify an accident is usually more then what states declare as minimum amount of insurance coverage needed. I have compiled following information from American Insurance Association, Property Casualty Insurers Association, and Insurance Information Institute. It shows auto liability insurance state minimums as required by each state. In order to understand numbers you must know what mean. The first two numbers are for bodily injury liability and third number represents minimum amount of property damage liability. As an example my home state of Missouri shows following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.
| | Will Online Automobile Insurance Quotes Really Save Me Money?Written by Tim Gorman
If you’re looking to save money on your auto insurance then online automobile insurance quotes are definitely something you want to look into. But there are more benefits to shopping online besides saving money. Receiving you car insurance quote online is fast, extremely easy, and exceptionally convenient. Generally speaking quotes you qualify for are generated within minutes and usually there are multiple quotes allowing you opportunity to compare numerous insurance providers, allowing you to choose best overall insurance offer. In my opinion best feature is not having to deal with an insurance salesman and having luxury of comparison shopping in privacy of your own home while wearing your favorite pajamas. There are no time limitations meaning you can start your application, save it, and finish later at anytime, day or night. The number one reason people over pay on their insurance is because of failure to shop around. Online automobile insurance quotes prevent that from happening. Truthfully there are very little, if any drawbacks to shopping online for all of your insurance needs. It’s very easy to do, convenient and your insurance quotes are provided free of charge. Best of all you’re never under any obligation to accept any quote that is provided. The process to receive multiple free online automobile insurance quotes begins when a consumer fills out a form. The information you provide is always kept confidential with encrypted software and it will not affect your current credit score. The only concern that may be raised is if you already have some other form of insurance (such as home or life insurance) from a provider then it’s possible that you could receive a better discount from that provider due to having multiple insurance policies with them.
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