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!

Choosing an auto insurance company is a decision that can either save you, or cost you, several hundred dollars per year. You would think that finding a car insurance company would not be too difficult.
After all how different can they be? It turns out they can be very different as many drivers would be happy to attest.

The automobile insurance company you choose should have competitive rates, responsive customer service, and an efficient claims process. Finding this information is easier than it has ever been due to the wealth of information that exists on the Internet.

Finding this information online can be done by most people fairly easily. It is easy enough to find the price for auto insurance from each company by visiting an automobile quote web site. The prices will be displayed in a few minutes after answering a few questions.

The level of customer service is also easy enough to gauge just by making a few simple phone calls. By calling a prospective auto insurance claims department you will get a good feel for how the company does business. Feel free to ask them any questions you may have. After speaking to each company you will have a very good idea on what you can expect from the company after you purchase a policy.

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