Auto insurance is a must for every driver who gets behind the wheel. Like most policy types, the amount of coverage each person requires is a matter of personal preference. However, regardless of your budget and driving habits, there are a few factors you’ll want to think about when deciding which car insurance policy to buy and what the coverage limits should be.

Minimum Coverage May Not Be Adequate

State-required liability is enough to cover injuries—but not completely. In fact, the specified limits are only the minimum accepted, not what’s recommended by insurance industry experts. If you’re involved in an at-fault accident, you’re responsible for paying the remaining cost of medical care and vehicle repairs after the insurance company pays its share. By investing a bit more for higher coverage limits, you’ll pay less out of pocket if you’re involved in an accident.

If you’re driving a vehicle with a low resale value, you can cut back on your collision coverage, as your monthly premiums would likely add up to more than the car is worth at the end of the year. However, if you’re driving a newer vehicle, more comprehensive coverage with higher limits is highly recommended. It ensures you can repair your car if you’re involved in an accident without depleting your savings.

Trust an Expert

While you can purchase auto insurance online, it’s better to work with an experienced agent. They’ll be able to look at your current situation, driving habits, and existing coverage to determine which policy best fits your needs and which areas you can stand to decrease. They may even be able to find discounts on a plan to save you money each month. 

At Edwards Insurance Agency in Sparta, WI, their dedicated agents will help you find the right coverage for your needs. Whether you’re looking for a new auto insurance policy or need to revise your existing coverage, they’re familiar with the range of products on the market to pair you with what best suits your situation. Learn more about their coverage areas online and call (608) 269-4512 for a free insurance quote.