If you drive a car, it's important to make sure you and your vehicle are protected. One way to do this is to buy car insurance, which can be done through an agency. Most states require this kind of insurance, but not all require you to have the same type of coverage—or the same amount. Your personal needs may be different from the minimum requirements, and that’s why it’s important to consult with a professional like Allstate Insurance Companies in High Point, NC, to make sure you get the coverage you need.

If you're wondering how much car insurance you really need, consider the following:

• Minimum Deductible Amount: The first thing you'll want to talk to your insurance agency about is what your deductible should be. Many financial advisers recommend having a deductible of $1,000. In most instances, raising it will help you save money on your premium. This is a good idea as long as you have $1,000 in savings to use in the event of an accident.
• Adequate Liability Coverage: When getting an insurance quote, you'll want to make sure you have sufficient liability coverage. If you're at fault in a car accident, liability will take care of medical bills and property damage. It is highly recommended to have liability of at least $500,000 to make sure you can cover the injured party’s costs. 
• Count Your Assets: It's imperative you don't end up underinsured. If you don't have enough coverage, you could be setting yourself up for a lawsuit. A good rule of thumb to follow? The more assets you have in general, the more car insurance you'll need. Talk to an agent about your financial picture to make sure you choose the right policy for you.

When shopping around for car insurance, check with Allstate Insurance Companies to meet the requirements in North Carolina. You’ll receive expert advice that’s personalized to you. To learn more, call (336) 884-5636. You can also visit their website for a free quote.