Reader’s Question:
Hi, I’m planning to get my own car and my own car insurance, and I’m wondering how much coverage I should get. I’ve been shopping for insurance policies here at Birmingham, Alabama, and almost all of the agents I’ve talked to told me to get full coverage but my friends told me otherwise. Who should I listen to?
Kristine,
Birmingham, AL
First of all, do your friends have automotive insurance, too? You know, it takes one insured person to know which insurance premium is best for you. But one thing I’m sure of is this: less is not always more. Your friends may think otherwise but when it comes to the road, having more insurance coverage would really be helpful especially if you get into an accident. Although there is no fast rule as to the amount of auto insurance coverage you need to get, most states (including, Birmingham, AL, I think) require a certain level of coverage. But you must be aware that getting the minimum level of coverage entails certain disadvantages too, such as paying the excess amount covered by your insurance policy in case you get into a really serious accident. The worst case scenario would be being liable for thousands of dollars that would have to come out of your own pocket simply because you only got what your state requires. So try not to skimp on your insurance coverage.
You could use the factors I’ve listed below to gauge the kind of coverage you will need:
- Your tendencies to get involved at risks while on the road
- The risk associated with your neighborhood
- The type of vehicle you’re using (this normally pertains to the value of your car)
- Your assets
- The frequency of having a passenger and the personal details about them (you may have to get them covered, too)
Try shopping for more insurance policies there at Birmingham, Alabama before you decide which one to choose so that you won’t regret anything in case the bad thing happens.
Tags: auto insurance, car insurance

