Auto insurance is required in almost every state — but most drivers don't fully understand what their policy covers until they're standing on the side of the road after an accident.
Coverage Types at a Glance
Choosing the Right Deductible
Your deductible is the amount you pay out-of-pocket before insurance kicks in. A higher deductible lowers your premium but increases your financial exposure after a claim.
- $250-$500 deductible: Higher premium, lower out-of-pocket after a claim. Best if you don't have a solid emergency fund.
- $1,000+ deductible: Lower premium, higher out-of-pocket. Best if you have savings and want to keep premiums down.
How Much Liability Coverage Do You Actually Need?
State minimums are usually far too low. A serious accident can easily generate $500K or more in medical bills and legal fees. Most financial advisors recommend at least 100/300/100 ($100K bodily injury per person / $300K per accident / $100K property damage).
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