Standard Car Insurance Coverage

Standard Car Insurance Coverage

• Standard Car insurance coverage varies from state to state, but in simplest terms it is the basic amount of auto insurance coverage a driver needs in order to legally operate a motorized vehicle. It is also sometimes referred to as the mandatory minimum required insurance to operate a vehicle in a state.

• Standard coverage includes liability insurance which is coverage that pays for any property or bodily damage done by the driver. This coverage protects you against any damage you may cause to another’s vehicle. Many times insurance is referred to as a set of 3 numbers such as 100/300/100. These numbers refer to the amount of bodily and property damage you are covered for. The first number is the amount of coverage for bodily injury caused to another person, the second number is the amount of coverage for bodily injuries caused to everyone involved in the accident and the third number is the amount of coverage for property damage.


• Check what the minimum requirements are for each state so you can make sure you are properly covered. If you need to save some money it is best to not lower your coverage to the minimum amount required by your state since this could lead you to be under insured if you are in a serious accident. Instead of lowering your coverage amount, most experts advise to try and raise your deductible amount which will cause you to pay a higher deductible in the event of an accident, but will save you much more money than if you had lowered your coverage amounts.