The best auto insurance liability coverage for consumers is not the same as the minimum level of coverage required under state law. This is the amount that state lawmakers have determined that all drivers must have in place. Insurance companies are required to provide quotes for at least this level of protection to all prospective buyers.
The best auto insurance liability coverage is a level which adequately protects the driver’s assets. As a person accumulates items over time, the level of coverage that he or she has in place should also go up. A driver who has recently obtained his or her license will likely have few assets to protect and can buy a policy which offers a limited level of protection and still have enough coverage.
Drivers who have been on the road for at least a few years should consider buying a policy which offers $100,000 in bodily injury coverage to pay for injuries incurred by a single accident victim and $300,000 to pay for all injuries and damages resulting from the same accident. Property damage liability insurance of $100,000 will cover damage to the other car, as well as other property damaged or destroyed in the accident, such as sheds, buildings, guard rails, sidewalks and sign posts.
Ideally, a car insurance buyer will purchase as much liability protection as he or she can afford. Maintaining a clean driving record and taking advantage of available discounts will help to keep costs down.