If you have priced car insurance lately, you might be looking for ways to save a few dollars on your premium. 
One way that some people cut back the cost is by dialing back auto insurance to a liability-only policy. Even though choosing this may save you a bit each month on your premium, in the long run, it could cost you much more. Consider why liability car insurance alone is not adequate for most drivers.
- Legal Minimums Are Often Outdated – Most states require drivers to carry minimum insurance liability coverage. In many states, legislators haven’t raised required minimum insurance coverage in years. Risks and cost assessments change over time. Just because you are within legal limits does not mean you have adequate protection. You could be driving with outdated coverage that would not protect you with today’s values.
- You Could Get into an Accident with Multiple Damaged Vehicles – No one likes to think about accidents, especially at-fault accidents. Yet, what if you were in an at-fault accident that caused damage to more than one vehicle? Will your state minimum coverage be enough to protect you from financial harm? You could find yourself in serious hot water if this occurs.
- What if you are in an Accident with an Un- or Underinsured Driver? – Being in an accident with an uninsured driver could be financially devastating. Underinsured motorist insurance protects you from costs if a driver who does not have enough coverage hits you.
- Think About Non-Accident Claims – You may choose only liability insurance because you think there is no chance of a wreck. What if you needed insurance for non-accident incidents or emergencies? Theft, fire, and vandalism could leave you without a vehicle, and no way to replace it. Comprehensive coverage is what you need to give you protection from these possibilities.
You may want to save money each month by purchasing only the state minimum coverage. Cutting back in this way can be a terrible idea. Look at the insurance options available to you. Then, talk to an agent to see if you can find a policy that has better coverage for your vehicle—protecting you “just in case.”
We've got you covered. Carlos Villalobos Insurance Agency, Inc. can help you get auto insurance that effectively covers your needs. Call us at 661-255-8282 for a fast, free auto insurance quote.