{"id":6388,"date":"2020-05-21T18:34:10","date_gmt":"2020-05-21T23:34:10","guid":{"rendered":"http:\/\/amco-insurance.three.zysites.com\/blog\/how-much-auto-insurance-do-i-need\/"},"modified":"2023-10-17T09:53:54","modified_gmt":"2023-10-17T14:53:54","slug":"how-much-auto-insurance-do-i-need","status":"publish","type":"post","link":"https:\/\/www.getamco.com\/es\/sin-categorizar\/how-much-auto-insurance-do-i-need\/","title":{"rendered":"How Much Auto Insurance Do I Need?"},"content":{"rendered":"<div class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"495987027\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{175}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\"><img src=\u201dhttps:\/\/admin.insurancewebsitebuilder.com\/img\/~www.amco.net\/amautu.jpg\" alt=\"car_insurance\" title=\"car_insurance\" style=\"float: right; margin-right: 10px; margin-bottom: 10px; margin-left: 10px; width: 350px;\" \/>Is it possible to have too much<a href=\"https:\/\/www.amco.net\/automobile\/\"> auto insurance coverage<\/a>? It is important to review your coverage to determine if you have the appropriate amount of coverage for all the cars in your household. You need to provide a minimum of protection for your auto against certain liabilities that could result from being in an accident (and damage to a third party other than a passenger in your car).<\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><\/span><\/p>\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"495987027\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{175}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"271623365\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{179}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">It is important to understand how much insurance you need and to meet the coverage limits required for the jurisdiction you perform the most driving in. It is possible to carry more auto insurance than what you need, but a meeting with an insurance agent can help you determine the appropriate amount of coverage for you and your household.<\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><\/span><\/p>\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"271623365\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{179}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"582377009\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{183}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\"><strong>What Elements of My Auto Insurance are Needed?<\/strong><\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><strong>&nbsp;<\/strong><\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"326836143\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{189}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Generally, your auto insurance protection covers the following:<\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<div class=\"ListContainerWrapper SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW188814958 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"97311066\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{193}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Liability &ndash; coverage for bodily injury and property damage to others (not you) as a result of an automobile accident you are involving you and another driver.<\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"1194028854\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{200}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Personal Injury Protection or PIP &ndash; PIP provides protection for injury you or a passenger may suffer as a result of an accident.<\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"511738540\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{207}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Comprehensive Collision Protection &#8211; provides coverage for repairs or replacement of your auto as a result of an accident.<\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"511738540\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{207}\" style=\"color: windowtext; background-color: transparent; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"2066172593\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{214}\" style=\"background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">At a minimum, most states require that you carry&nbsp;<\/span><\/span><a class=\"Hyperlink SCXW188814958 BCX0\" href=\"https:\/\/www.irmi.com\/term\/insurance-definitions\/automobile-liability-insurance\" target=\"_blank\" rel=\"noopener\" style=\"color: inherit; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun Underlined SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #0000ff;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" data-ccp-charstyle=\"Hyperlink\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">auto liability coverage<\/span><\/span><\/a><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #0000ff;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">.&nbsp;<\/span><\/span><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">This mandate protects the interests of other drivers should you become involved in an accident. An auto insurance company will set limits within your liability protection on a per incident and overall coverage provided (i.e. 25\/250 may refer to a per accident limit of $25,000 and an annual benefit limit of $250,000).<\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: rgba(0, 0, 0, 0);\"><\/span><\/p>\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"2066172593\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{214}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"703073733\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{229}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\"><strong>Looking for Duplications in Coverage<\/strong><\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><strong>&nbsp;<\/strong><\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"100897724\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{235}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Once you have met your state&rsquo;s minimum requirements for liability protection in your auto insurance coverage, you need to look at elements of your policy to determine if they duplicate other insurance protection you have. For example, having personal injury protection provides you with peace of mind that comes with knowing that your medical bills will be taken care of if an accident you are involved in results in bodily injury. This protection could, however, duplicate the benefits you receive from your individual health insurance. In other words, you may be paying twice for the same coverage.<\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\"><\/span><\/p>\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"100897724\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{235}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr BCX0 SCXW188814958\" style=\"margin: 0px; padding: 0px;\">\n<p class=\"Paragraph SCXW188814958 BCX0\" paraid=\"1221887762\" paraeid=\"{74871a95-a80b-459d-b0ff-ec1e58893d6e}{239}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px; text-align: justify;\"><span data-contrast=\"none\" class=\"TextRun SCXW188814958 BCX0\" style=\"margin: 0px; padding: 0px; color: #495057;\"><span class=\"NormalTextRun SCXW188814958 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Comprehensive collision makes sense for new cars or those with a high dollar value. If you drive an older vehicle with little to no value, you may find that the benefit due as a result of an accident may be insufficient to replace or properly repair the auto. Taking the time to review your car insurance protection against other insurance you have which provides similar protections may help you save money in the long run.<\/span><\/span><span class=\"EOP SCXW188814958 BCX0\" data-ccp-props=\"{'201341983':0,'335551550':6,'335551620':6,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":35,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-6388","post","type-post","status-publish","format-standard","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/posts\/6388","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/comments?post=6388"}],"version-history":[{"count":0,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/posts\/6388\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/media?parent=6388"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/categories?post=6388"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.getamco.com\/es\/wp-json\/wp\/v2\/tags?post=6388"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}