You have probably seen several different ads on television recently by auto insurance companies who are trying to convince the public that their insurance is the cheapest.  There is nothing wrong with shopping around, but make sure that when you do shop that you are receiving quotes on the same insurance coverage from each company.

The first thing you should do is sit down and write out what auto insurance coverage you need to have to protect your interests.  You should have a minimum of $100,000.00 limits for liability insurance and preferably $250,000.00 limits for liability insurance.  Liability insurance protects you if you are in a motor vehicle accident where it is your fault and the other party or parties sue you for personal injuries.  If the personal injuries are severe with high medical bills and permanent injuries, the value of the case may easily reach $250,000.00.  If the value of the case exceeds the coverage that you have, then you may be subject to personal liability where you would have to pay the additional money out of your own pocket.  That is why it is so important to carry high limits for liability insurance to protect your own interests.  The good news is that increasing your liability insurance is very inexpensive. 

The second most import item to consider when shopping for insurance rates is the amount of protection that you would have if a motorist causes personal injury to you or the occupants of your car, where that motorist has no insurance or  inadequate insurance.  Again, the minimum amount you should carry is $100,000.00 for uninsured/underinsured coverage, but preferably $250,000.00.  This may be the most important coverage you can buy.

If you have any questions contact a skilled lawyer at McGuire Law PLC today.