Your auto insurance policy has to be written in a way that makes it suitable for your lifestyle. What’s important is that you don’t have too little coverage and, if you’re on a budget, that you’re not carrying so much coverage that you’re paying an amount that you cannot afford. To be sure that you’re not, consider the following factors.
1: What Kind of Car Do You Drive?
If you’re driving what amounts to a beater car, you don’t have to pay a lot of money in auto insurance to cover it. You’ll want to make sure, however, that you have plenty of liability insurance. Even though your car may not be worth much, you can still do a tremendous amount of damage to another vehicle with your car, so count on hitting someone at some point and on being liable for a lot of damages.
2: Where Do You Drive?
If you live in an average part of town and everyone around you drives sensible cars, you might be able to get away with the state minimum liability. If you live in a very upscale part of town and everyone around you drives high end vehicles, you may want to increase your liability coverage. Remember that most accidents occur close to home, so count on hitting a vehicle representative of what you see in your neighborhood.
3: How Much Do You Drive?
If you travel extensively, you’ll want to make sure that you’re adequately covered for wrecks. The more you drive, the greater the chances that you’ll be in a wreck. This is just math. If you work at home and don’t commute, you might want to consider dropping your coverage levels a bit since you’re not on the road that often.
4: Uninsured Drivers
Make sure you carry enough uninsured driver insurance to cover completely replacing your car. These drivers are irresponsible to begin with, so count on them making things even worse by driving in a way that puts others in danger. The last thing you want to have happen is to have your car destroyed by a dangerous driver and to have no way of replacing it because they don’t have insurance.
If you end up being injured in a wreck, contact a Dallas accident attorney. The car wreck lawyer may be able to help you put together a lawsuit that could win you compensation.