• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US | (803) 430-9002
Home
  • Home
  • Products
    • Automobile
    • Business & Commercial
    • Bonds
    • Contractors Insurance
    • Disability Insurance
    • Flood
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Surety Bond
    • Trucking
  • Get a Quote
    • Auto Insurance Quote FormsImage of right arrow
      • Bundled Auto & Home Insurance Quote
      • Instant Auto Insurance Quote
    • Bond Request Form
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
    • Contractors Quote Form
    • Flood Quote Form
    • Health Insurance Quote Forms
    • Disability Insurance Quote
    • Homeowners Insurance Quote FormsImage of right arrow
      • Get an Instant Home & Auto Quote Now!
      • Get An Instant Homeowners Quote Now!
    • Life Insurance Quote FormsImage of right arrow
      • Get an Instant Life Quote Now
      • How Much Life Insurance Do You Need
    • Motorcycle Insurance Quote
    • Recreational Insurance Quote Form
    • Renters Insurance Quote
    • Surety Bonds
    • Trucking
  • Blog
  • Resources
    • Make a Payment
    • Refer a Friend
    • Important Files
    • Insurance Glossary
  • About Us
    • About Us
    • Location(s)
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Contractors Insurance CONTRACTORS

Learn about different health coverage options that fit your specific needs.

Read More
Recreational Insurance RECREATIONAL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Home > Blog > When Do You Need More Than State Minimum Auto Insurance?
WEDNESDAY, JUNE 5, 2024

When Do You Need More Than State Minimum Auto Insurance?

Auto insurance provides financial peace of mind to anyone who owns a vehicle. It also helps protect other drivers on the road.

Most states have a minimum auto liability insurance requirement. This type of coverage protects other drivers in the event you cause an accident that leads to their loss. The state-required coverage is liability insurance, not protection for your vehicle specifically. In most cases, the basic level required is minimal, inexpensive, and very rarely enough.

Every State Is Different man driving car during daytime

States differ in the amount and type of car insured required. Most states will require a specific amount for bodily injury and property damage. Coverage per accident and per person is often listed. This type of coverage may help to cover:

  • The other person’s medical bills
  • Damage to another person’s car
  • Damage to another person’s property

State minimums almost never cover your possessions at all. Coverage in some states is as low as just $25,000 per individual or $50,000 per accident. Is that enough to give you peace of mind?

Consider Your Financial Responsibility

If an accident occurs, how much damage could you afford to pay for out of pocket? Today, some vehicles are worth well over $30,000. Medical bills for even minor claims can be worth several thousand dollars. More so, if you strike more than one person, the costs add up.

It is common to pay significantly out-of-pocket because of the losses from an accident. The other party could come after your home or other assets to pay for these losses.

How Much Is Enough?

It is important to speak to your auto insurance agent for clarity on the type and amount of coverage right for you.

Many times, policies of over $100,000 per accident are a good starting point. Your agent can work with you to understand the likely risks you face and the average amount of damage for accidents in your area. This can help you to make a better decision.

Having at least minimally required auto insurance is important. But, it is rarely enough. Work with your car insurance carrier to ensure you have proper protection not only in liability coverage, but also to protect your vehicle. Adding a significant amount of additional coverage does not have to cost much more. It will provide peace of mind.

Affordable Insurance Group can help you get auto insurance to meet your unique needs. One of our agents is standing by to help you get a fast, free quote right now. Call us at 803-430-9002 for more information.

Posted 3:45 PM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2012

  • affordable insurance group(52)
  • insurance(43)
  • auto insurance(41)
  • home insurance(35)
  • coverage(24)
  • car insurance(16)
  • protection(11)
  • tips(9)
  • life insurance(8)
  • home(7)
  • life(7)
  • winter(6)
  • claims(6)
  • homeowners insurance(6)
  • homeowner(6)
  • business insurance(5)
  • loss(4)
  • weather(4)
  • safety(4)
  • sr-22 insurance(4)
  • policy(4)
  • rv insurance(3)
  • flood insurance(3)
  • repairs(3)
  • risk(3)
  • bop insurance(2)
  • renters insurance(2)
  • options(2)
  • motorcycle insurance(2)
  • finances(2)
  • boat insurance(2)
  • quote(2)
  • construction(2)
  • auto(2)
  • claim(2)
  • accident(2)
  • exclusions(2)
  • theft(2)
  • damage(2)
  • women(1)
  • prevention(1)
  • gaming systems(1)
  • autonomous vehicles(1)
  • home insurance exclusions(1)
  • transmission(1)
  • fraud(1)
  • loans(1)
  • requirements(1)
  • family(1)
  • class c vehicle(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Yelp
ASI Homeowners of America National General Progressive Stillwater The Hartford The Main Street Travelers Zurich

Resources

Home About Us Get a Quote Make A Payment Newsletter Refer A Friend Contact Us

Contact Us

Affordable Insurance Group
  • Affordable Insurance Group
  • 6168 Saint Andrews Road
  • Columbia, SC 29212
  • O:(803) 430-9002
  • F:(803) 798-5100
  • E: info@affordableinsgrp.com
© Copyright 2020. All rights reserved.
Powered by Insurance Website Builder