When shopping around for auto insurance, the myriad of options on the market can get confusing. Many people aren’t really sure how much coverage they need. However, this is an important detail when selecting your policy. Integrity Insurance Solutions prides itself on providing high-quality products to their San Marcos, TX, clientele. Below, they explain how to determine the amount of coverage you require.

Check Your State’s Minimum Requirements

Most states have minimum coverage requirements each driver must meet. In general, minimum state liability is the lowest amount of coverage you must have to legally drive. This includes bodily injury and property damage coverage for the other driver. It does not take into account damage inflicted on your vehicle or your medical needs. Most drivers maintain additional coverage that provides for their own automobiles, as well as uninsured motorist coverage, which provides coverage in the event the other driver is at fault and doesn’t have a policy.

Determine Your Risk Tolerance Levels

Depending on your risk tolerance level, the amount of auto insurance you need will fluctuate. If you drive an older vehicle and prioritize saving money, a 100-300-100 policy might be suitable. This provides $100,000 per person per accident, a $300,000 limit per accident, and a $100,000 property damage liability limit. If you own a more expensive vehicle, you might consider a policy more along the lines of 250-500-250 plus uninsured motorist coverage, as well as a comprehensive and collision coverage. This protects the insured’s assets by providing a higher level of coverage, as well as automobile replacement coverage. 

Before you buy auto insurance, speak with the staff at Integrity Insurance Solutions. They can help you assess all the factors involved in buying a policy and will find one that suits your needs and budget. Call them today at (512) 396-2211, or visit their website for more information.