How much auto insurance coverage do I need?

by **lazaro94** » Sat Jul 14, 2012 1:36 am

I have a small 4 door '99 Saturn. I already have insurance, but I think I have too much coverage.

Here's what I have:
Bodily injury liability: 50,000 per person and 100,000 per accident.
Property damage: 50,000
Underinsured and uninsured bodily injury: 50,000/100,000
Personal injury protection: 50,000

Should I change the BI coverage to 30/60?

by **leonie36** » Sat Jul 14, 2012 1:42 am

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by **muireach** » Sat Jul 14, 2012 1:47 am

I would be very careful about lowering your limits. If you change your BI coverage to 30/60 that means that the company will only pay $30,000 per person or up to $60,000 per accident if you cause bodily injury to people in an accident. It doesn't take much to run a hospital or emergency room bill up to $30,000. If anything I would consider increasing your limits to at least 100/300. In most cases it's not that more money.

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