Determine how much auto insurance coverage you need.

When you’re selecting auto insurance coverage, you will be faced with deciding how much cover you actually want to purchase. While most motorists work out how much they legally need to keep the costs down, this can actually cost more in the long-term if a sizeable claim is made. To protect yourself, it’s important to know the types of car insurance and how much you really need.

Liability Coverage

Liability cover doesn’t protect you or your car, but it does protect your wallet! If you’re in an accident that’s deemed your fault, your liability will step in to cover third-party costs you would be responsible for, such as medical or auto repair costs of other motorists involved. It’s a good idea to have at least $500,000 worth of coverage – especially since vehicles are getting more expensive to replace and health care costs can be incredibly high.

Comprehensive Coverage

Comprehensive coverage helps to repair your vehicle if it is damaged in a non-collision event, such as fire, a storm, a natural disaster, and theft. Like liability insurance, comprehensive coverage is inexpensive so you will want to have it whether you’re driving an old beater or a brand new vehicle.

Collision Coverage

Accidents happen. The good news is that collision coverage pays to repair or replace your car if you’re in an accident with another vehicle – regardless of who is at fault. Other types of coverage do not cover damage to your car, making collision very desirable to have.

Below are the California auto insurance minimum requirements, although it’s always recommended that you purchase more coverage.

• $5,000 for property damage
• $15,000 for injury/death to a single person
• $30,000 for injury/death to more than one person

Work with a team of professionals who have your best interests in mind.  Contact  the team at McCarty Insurance to get started on your tailored  auto insurance  coverage.