Too often we run into people that have claim issues thinking that their policy covers them for everything or not understanding their liability limits are too low. Saving a few bucks a month is not worth losing personal assets because you opted for low liability limits on your auto insurance. Here are a few tips:
Check your policy - you should have at least 100,000/300,000 in liability limits for auto insurance
What is your deductible? Is it too high? You can save money by having a high deductible, but can you afford to be out of pocket on the repair? Only you can answer that question.
Do you have towing? What are the limits?
What about rentor's coverage? This is a dirt cheap policy that gives you a discount on your auto insurance and saves you big if you have a fire or a theft. Your landlord is not going to cover your personal items on his insurance.
If you aren't sure, call your agent or call us for a free insurance review. The right amount of coverage is crucial, but you don't want to be over-covered either and be wasting your money.