One question that Central Oregon drivers have at one time or another is how much car insurance do I really need? Do I need full coverage car insurance or liability only? If you have too much car insurance, you can overpay on car insurance every single year but if you don’t have enough, you can easily end up in bankruptcy because, your car insurance didn’t cover all of your financial needs after a car accident.
What Is Bodily Injury Coverage?
One of the most important parts of Central Oregon Car Insurance is bodily injury coverage; this form of car insurance will compensate the driver of the vehicle and even any passengers should they get into a car accident.
When purchasing bodily injury coverage you should purchase no less than $100,000/$300,0000 coverage because, you want to make sure you have enough coverage to protect all of your assets just in case you get into an accident and contrary to public opinion, bodily injury insurance coverage only costs around $250 per year.
Do you Have Enough Property Damage Insurance Coverage?
It doesn’t matter if you live in Bend or Prineville Oregon, property damage coverage is an important part of Central Oregon Car Insurance, this form of auto insurance protection will protect a drivers vehicle regardless if they get into a minor fender bender or a major car accident on one of Oregon’s highways.
It’s important to have no less than $50,000 worth of property damage coverage per vehicle and no less than $100,000 coverage total because, most of today’s vehicles cost no less than $20,000 dollars.
Personal Injury Insurance Coverage
Although some Bend Oregon insurance agents might recommend that you skimp on personal injury insurance coverage, you shouldn’t skimp on this coverage because, it will pay for any medical costs that you incur after an accident and even funeral costs should fatalities occur.
To learn more about other forms of insurance coverage like uninsured motorist, collision or comprehensive insurance and get an affordable car insurance quote, contact the Farnsworth Allstate Agency today by calling (541) 318-8835 or click here for a free, online quote.