How Much is Liability Insurance?

Car Insurance and Key

How much does liability insurance cost? What are good liability insurance rates? These are questions that Elk Grove drivers find themselves asking when looking for liability insurance. The most common liability insurance policy cost is less than $100 a month. The number depends on the state you live in and the amount of coverage you choose. Let the finance department at Kareem Auto Sales Inc go over the different levels of coverage and help you decide which policy is the best for you.

Liability Insurance Rates

How much is liability insurance? The amount you pay will depend on the type of liability coverage you get. Common coverage that most Roseville drivers choose is 100/300/50. This means the insurer will pay up to $100,000 for injuries per person, $300,000 for injuries per accident, and $50,000 for property damage per accident. This is most common and liability insurance rates for this coverage usually range between $45 to $80 a month.

Liability Insurance Meaning and Coverage

Liability insurance protects you by covering the cost of damage or injuries sustained in an accident by another driver. In this case, liability would protect you if the accident was deemed your fault so you wouldn’t have to pay the costs out of your own pocket. There are two different kinds of coverage provided by liability coverage:

Bodily Injury Liability: This kind of coverage protects you from paying the medical costs of injuries sustained by another driver in an accident. These medical costs include hospital stays, surgery, or pain and suffering. This kind of coverage also protects you in the case that you get sued by the other driver. If you have to go to court, your lawyer and other legal fees will be covered.

Property Damage Liability: This kind of coverage protects you from paying for the repair or replacement of damaged property that is someone else’s. This could be the other driver’s car, personal belongings, or anything else that was damaged in an accident.

How Much Coverage Is Right for You?

If you live in Folsom, then the legal amount you’re required to have may differ from other out-of-state people you know since the rules vary by state. The more coverage you decide to get, then you’ll likely have a higher premium. However, higher coverage means you’ll be better prepared in the case of an accident, especially if it’s severe. Since accidents can range from mild to severe and can be expensive, it’s important to make sure you’re covered. The liability policy cost will be dependent on how much you can afford and how much coverage you are comfortable having.

Find the Best Rates with Kareem Auto Sales Inc

Now that you have an idea of how much liability insurance is, let the experts at Kareem Auto Sales Inc help you find the best coverage for you. Curious if liability insurance covers theft? Learn more helpful tips with Kareem Auto Sales Inc. Contact us to help you explore your options and get other car buying tips and tricks.

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