General Car Insurance Terms and secrets

It's easier to understand if you are getting a good deal if you know that you are comparing apples to apples when shopping around for car insurance.

First liability. 

Here are some common insurance terms and what they mean.

The first is your liability the stuff required by law. It will have three numbers usually in increments of 25 representing thousands of dollars.

25/50/25 The first number (25) is the amount of money your car insurance company will pay the other person if the accident is your fault.
$25, 000 per person, the second number is the total amount per accident or $50,000. These are medical bill limits. The third number is property damage. Your insurance company will pay $25, 000 for the property you damage. 

You can change the last number to be higher so 25/50/50.  The next level of coverage is 50/100/50.

Make sure the quote you are given is based on the same number you already pay for.

If you already are paying for the 50/100/50 and you don't have many assessts you can always call and ask for a quote from your current insurance carrier how much that will reduce your premium.

A good insurance office will help you understand and evaluate your assets and risks when lowering or raising your coverage. If they don't then switch. You can switch agents and stay with the same company. Agents of course do not like to lose customers but if you insist they don't have much choice.

Medical is usually next. This is not required by law.  Talk to your agent about the advantages and disadvantages of buying medical.
This usually starts at $10,000 and this applies to you and your riders does not matter who is at fault.  Each passenger would be covered up to $10,000 per person.

Next up Deductibles