To find the best car insurance rates, you can do many things while you are checking into a new quote. You can alter the amount of your deductible, you can reduce or raise your collision coverage, or you can adjust the amount of liability car insurance. When you search for the bare minimum liability car insurance quote, you need to remember a few things to make the job simpler.
First of all, the state minimum is only the mandated figure established by your state of residence that every driver must have. It is not the legal limit for which you could be sued. If you have a collision with another vehicle, especially one with multiple passengers, you could be in for a long spell of trouble. Liability insurance covers the passengers of the other vehicle, as well as their property.
If you only carry the amount of coverage that your state requires, you might be subject to a lawsuit that could have a ripple effect across your credit report. It could prevent you from getting a mortgage or a new job. It could even bankrupt you. A bankruptcy takes years to disappear from your credit history. Having more liability than the state minimum is a good idea.
Occasionally, however, the state minimum liability coverage is all you can afford. In that case, searching for a bare minimum liability car insurance quote is about the same as searching for any car insurance quote. Just adjust the numbers accordingly.
As you go from site to site, do not be afraid to experiment a little bit with the numbers. Add a little extra liability coverage if you see that one company is offering a free bonus like roadside assistance. However, if you want the bare minimum only, every website will have that option as a preset choice. All you will need to do is select it. The website will have the correct rates for all U.S. states. Just select "state minimum required,” and the computer will do the rest.
Many people looking for the best car insurance rates get the state minimum liability insurance coverage because they cannot afford more. If that is your plan as well, make sure you are a good driver and that you obey the laws. Luckily, most fender benders do not incur major injuries. The state minimum is designed to protect against less serious collisions. If the idea of lower liability does not sit well with you, try lowering the collision coverage. Maybe you can find a little breathing room and add a bit more coverage. You never know when an emergency will come along, but if you are protected, it does not matter.