Low Cost Car Insurance

An important part of any regular or low cost car insurance policy is liability coverage. Besides paying for the other driver's expenses when you cause an accident, it also covers your legal costs if you're sued. For adequate protection, you need at least $50,000 of property damage coverage, which pays for his car or other property. And a minimum of $100,000 in bodily liability per person is recommended to cover his injuries.

Sometimes there are accidents in which the other driver is at fault and his insurance is insufficient to cover your expense claims. Uninsured or underinsured driver protection is the coverage that will handle these unpaid bills. Even a low cost car insurance policy should have at least $50,000 worth of this protection.

To get low cost car insurance it's important that you don't overpay for collision and comprehensive coverage. You should get at least a $500 deductible and if you have an old low-value car, you should consider eliminating the coverage.

Medical protection is another possible area for savings when getting low cost car insurance. If you have a health plan, it probably covers medical treatment for auto accident injuries. So you can eliminate this coverage from your car insurance if just duplicates what you have. The only exceptions are when medical protection is required by state law or if you'd like to carry a small amount to pay for your passengers' treatment bills if they're injured.