Liability Car Insurance: Protect Yourself for Less Than $100 Per Year

What is Liability Car Insurance?

Liability car insurance is a type of auto insurance that covers damages to other people or their property if you cause an accident. It does not cover damage to your own vehicle or injuries to yourself or your passengers.

Liability car insurance is required by law in most states. The minimum amount of liability coverage required varies from state to state, but it is typically around $25,000 per person and $50,000 per accident.

How Much Does Liability Car Insurance Cost?

The cost of liability car insurance varies depending on a number of factors, including:

• Your age
• Your driving record
• The type of car you drive
• Where you live

According to the National Association of Insurance Commissioners (NAIC), the average cost of liability car insurance in the United States is $565 per year. However, rates can vary significantly from state to state. For example, the average cost of liability car insurance in California is $636 per year, while the average cost in Maine is just $356 per year.

Is Liability Car Insurance Worth It?

Liability car insurance is worth it for most drivers. Even if you are a safe driver, there is always the possibility that you could cause an accident. If you do, liability car insurance will protect you from financial ruin.

Here are some examples of how liability car insurance can help you:

• If you cause an accident that injures someone, liability car insurance will pay for their medical expenses.
• If you cause an accident that damages someone's property, liability car insurance will pay to repair or replace it.
• If you are sued as a result of an accident, liability car insurance will pay for your legal defense costs.

How to Get the Best Rate on Liability Car Insurance

There are a number of things you can do to get the best rate on liability car insurance, including:

• Shop around. Compare quotes from several different insurance companies before you buy.
• Ask for discounts. Many insurance companies offer discounts for things like being a good student, having a clean driving record, or owning a home.
• Increase your deductible. The deductible is the amount of money you have to pay out of pocket before your insurance coverage kicks in. Increasing your deductible can lower your premiums.
• Take a defensive driving course. Many insurance companies offer discounts for drivers who complete a defensive driving course.

Conclusion

Liability car insurance is an important type of insurance that can protect you from financial ruin. It is relatively inexpensive, and it is worth it for most drivers. If you are looking for the best rate on liability car insurance, be sure to shop around and compare quotes from several different insurance companies.