What are the best liability policy limits?

Answer: It is generally accepted among insurance agents that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100. This means:
  • 100,000 per person for bodily injury
  • 300,000 per accident for bodily injury
  • 100,000 per accident for property damage

    Since in most areas medical treatment is in fairly the same range, the last limit, per accident for property damage, is the one you may want to take into account if you are not the average driver. If you live in an area where you feel that if there was an accident, that was your fault, and property damage may exceed 100,000, you may want to consider higher limits. Remember, property damage is the other person's car and any other property damaged during the accident if you are at fault. In some areas one's landscaping can cost over 100,000!
Is anyone who drives my car covered?
What is the difference between comprehensive and collision?
Why does my insurance cost more than my agent said it would?
How does my driving record affect my insurance premium?
Why is it harder to get insurance if drivers in my household have bad driving records?
8 Reasons you should buy life insurance
The role of life insurance in long-term planning for your special needs child
What is the difference between Whole Life Insurance & Term Life Insurance
Homeowners insurance and your home buying budget
Do you have enough home insurance coverage for your condo?
Earthquake Insurance: An Invaluable Asset in California
Trampolines -- Balancing the rewards and risk to your home insurance
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
Car Insurance Comparison: 4 Important Things to Consider
You've been looking for insurance for your car because it is a state requirement before hitting your precious one on the road. Aside from that, insuring your vehicle will save you from a lot of trouble.
4 Auto Insurance Quote Tips
The purpose of this article is to look at tips on getting an auto insurance quote. We are going to specifically talk about using the Internet as a way to do that. Even if you are not real familiar with how to use the Internet you will be surprised at how easy it is to get quotes on auto insurance.
Average Cost of Health Insurance
The field of health insurance is a bit complex, as there are multiple policy providers of insurance. The three principle providers of insurance policies include, the employers, public or state or Federal bodies, and lastly the private sector insurance policies.
Does a Learners' Permit Require Auto Insurance?: Whether Parents Should Add Student Drivers to their Insurance Policy
Umbrella Insurance Policies: What Are They And Should You Have One?
If it’s raining outside and you have a raincoat with a hood on, that’s pretty good. It will keep your clothing dry for the most part. Your pants and shoes might get wet and your face might get a little wet. If you want to stay drier, add an umbrella for more protection. That’s what an umbrella policy does for you, as well. It provides that additional layer of protection above and beyond the limits of liability covered under both your auto and homeowners’ insurance policies.
Vacation Rental Car Insurance: Should I Buy Coverage from the Rental Agency?
Because it’s the law to drive an insured car, you won’t be able to drive off the lot without some sort of coverage in place.