7 Responses for "What level of car insurance should I get?"

1. Vanessa Hudgens February 4th, 2010 at 2:25 am 1

   Liability insurance protects you from damage claims from others. The amount of coverage you need has nothing to do with how good a driver you are. You want to protect any other assets you may have, which could be lost if you are found at fault in an accident.The damages from one accident could easily ruin you financially. Depending on who or what is involved, there can be claims from many people for medical bills, lost wages and damaged property. If you were to have a tire blow out, or your brakes fail, and you were to run into a bus full of people, you would be liable for the medical costs of each and every person on the bus. Your insurance will pay up to policy limits, and you are personally liable for the rest. You wages could be garnisheed, or you may be forced into bankruptcy, and have most of your assets sold to pay the costs.It is your choice. I recommend getting as much coverage as you could possibly afford. Personally, I have a several million dollar umbrella liability policy, on top of my high coverage auto insurance. The peace of mind it worth it.

2. Vanessa Hudgens February 4th, 2010 at 2:25 am 2

   My husband and I have the bare minimum that the law allows and what we can afford on the deductible is $500.00 in case of damage to either of our cars…We also have the minimum coverage if someone is hurt…

3. taylor swift February 4th, 2010 at 2:25 am 3

   I haven't had insurance in 4 years!! It's a ripoff, you pay basically for NOTHING! If you do use it, your premium is gonna go up, and you STILL have to pay a deductable and if it's your fault they can drop you all together. I don't care if it is the law, im not gonna get it until i pay my vehicle off, and even then it will be the bare minimum.

4. lady gaga February 4th, 2010 at 2:25 am 4

   None soon gas will be so high you wont be able to afford to drive.

5. taylor swift February 4th, 2010 at 2:25 am 5

   the guy with no insurance is why you are paying such high rates. By the way, its not how you drive its ho w the otehr person drives, The insurance covers much of your medical bills if you should get hurt, car insrance isnt just about fixing your car. If your car is old and damaged past its blue book value, they will "total" it and only give you that much and therefore you are out of a car and with les money to replace it, the ghigher insurance helps u ge t the car replace and may pay for lost wages if you are injured. Pick middle of the road coverage.

6. selena gomez February 4th, 2010 at 2:25 am 6

   Well… I just have PLPD (the minimum). If you have a decent car & a good driving record, that's really all you need (unless you drive a REALLY fancy/expensive car).

7. taylor lautner February 4th, 2010 at 2:25 am 7

   i doesn`t matter what price it is as long as your safe with the one you chose !