How much car insurance do I need?

When you are getting a vehicle, 考虑推荐的汽车pp王者电子官网范围是什么是很常见的. 毕竟，要求的覆盖范围因州而异，有时是不同的 state minimums which are typically very low. 不幸的是，没有非黑即白的答案. It depends a lot on what 你需要的pp王者电子官网范围和你觉得舒服的免赔额 with. The State Farm® Personal Price Plan®帮助您创造一个实惠的价格(只为您).¹

这里有一个有用的分类，可以在购买汽车pp王者电子官网时使用:

How much liability insurance do I need?

Liability insurance covers expenses when you’re at fault in a crash. The coverages extend to the other vehicle(s) and people who sustain damages in the crash, as a result of your negligence. Most states require you to carry a minimum amount of liability coverage on your vehicle.

没有人能准确地预测，如果你造成坠机，你需要支付多少钱. But the key question to ask is: Can you afford to cover any damages exceeding your coverage limits? The higher your liability coverage limits, the more damages your policy might cover.

To get an idea of how much liability coverage 你可能需要把你的房子、汽车、储蓄和投资的价值加起来. Then subtract your debts (what you owe). For example, if the total "net worth" was $220,000, you could consider $250,000 liability for injuries per accident. If you feel you need additional coverage, you can increase it typically in $50,000 increments up to $500,000. 如果你觉得你需要更多的pp王者电子官网，考虑一个 umbrella policy.

请记住，责任pp王者电子官网通常显示为一系列3个数字, for example 100/300/100. Each number in this series represents a dollar amount — read in thousands — of coverage in different categories.

1. 100: The first number represents the maximum amount of coverage for each individual bodily injury claim. 在这个例子中，每个受伤人员可获得高达10万美元的赔偿.
2. 300: The second number represents the maximum amount of liability insurance coverage for bodily injury claims for the entire accident. 在这种情况下，所有受伤人员可获得高达30万美元的赔偿. It is worth noting that, even though the policy may have $300,000 in total coverage, the insured could have personal exposure beyond their policy limits if the damages of any one individual exceeds $100,000.
3. 100: The third and final number represents the maximum amount of property damage liability coverage. In this example, there is $100,用于支付被pp王者电子官网人应负责的财产损失.

我是否需要综合和/或碰撞pp王者电子官网?

It depends. Collision coverage covers repairs to your car if you’re in an accident. Comprehensive coverage covers your car if it’s stolen 或者不是因为碰撞或翻车而损坏. You might not have a choice to not carry this coverage if your car is leased or financed; most lenders will require you to carry enough coverage to cover the cost of repairs to your car.

If you own the vehicle, you could consider whether the savings from dropping collision and/or comprehensive coverage is enough to offset the risk of having to pay the entire cost of repairing or replacing your car. For example, if your car is totaled 在一场事故中，对方司机有过错，而且没有pp王者电子官网, hit in a parking lot while you were in the store shopping or stolen from while you were hiking at a park, 你有办法在没有pp王者电子官网公司帮助的情况下更换它吗?

If your car is older and not an antique, it might be time to drop the collision and comprehensive coverage and put that money into savings. You can take the cost of collision and comprehensive coverage and see if the insurance policy cost more or the same as the worth of your vehicle. 如果是这样的话，也许是时候放弃pp王者电子官网了. For example, if your car is worth $1,你的pp王者电子官网费用是每年500美元外加500美元的免赔额, 你的钱并没有真正得到什么.

我的碰撞和综合免赔额应该是多少?

This is a balancing act. Higher deductibles typically lower your premium, but will increase your out-of-pocket costs if a loss occurs. 问问你自己，你愿意和能够直接支付多少, often on short notice, to potentially save on your premium. 如果你想降低崩溃发生时你必须支付的金额, 你可能想选择较低的免赔额.

If saving money on your insurance is your motivating factor behind removing your collision and raising your deductible, 考虑一下其他的汽车pp王者电子官网省钱技巧.

• Bundling: Check with your insurance company about choosing to combine the purchase of your home insurance or renters insurance with your auto insurance.
• Insurance ratings: When purchasing your vehicle, consider how the insurance company will rate them. Some cars cost more to insure than others.
• Consider sharing your driving information: Programs like Drive Safe & Save™从州立农场让你控制你的折扣.

What other coverages should I consider?

以下是您可能需要考虑的一些其他类型的pp王者电子官网. Your insurance company can provide you more specific information on requirements and limits available where you live, 因为这些pp王者电子官网在某些州可能是强制性的.

• Uninsured motorist coverage pays for damages if you or another covered person are injured in an auto accident or struck as a pedestrian caused by a driver who does not have liability insurance. 在一些州，它也可能支付财产损失. pp王者电子官网范围因州和政策规定而异. 未投保的驾驶人的pp王者电子官网范围以被pp王者电子官网人选择的政策限额为准.
• Underinsured motorist coverage pays for damages if you or another covered person are injured in an auto accident or struck as a pedestrian caused by another driver who is considered to be underinsured as defined by the policy. 它因州而异，取决于政策规定. Underinsured motorist coverage is subject to policy limits chosen by the insured.
• Personal injury protection (PIP) pays your — or another covered party’s — reasonable and necessary medical expenses for treatment resulting from an auto accident or being struck as a pedestrian. It may also pay for rehabilitation, lost earnings, replacement of services, and funeral expenses. pp王者电子官网范围因州和具体政策而异.
• Medical payments coverage is available in many states. It pays for necessary medical and funeral expenses for those covered when the expenses are caused by an auto accident or being struck as a pedestrian. 医疗支付范围因州和具体政策而异.
• Roadside assistance 当您的车辆被损坏时，支付相应的服务费用. 这些服务可能包括拖车、锁匠、快速启动和轮胎更换.

也有一些pp王者电子官网是可选的，可能是有用的，比如 rental car or ridesharing. At any time, if you have questions about what your vehicle coverage should be or what affects car insurance premiums, you can contact an agent or get an auto insurance quote online.