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Omaha, NE 68130

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How Much Auto Insurance Do I Need?

There’s no set amount of coverage that you should have on your auto insurance policy. It depends on your situation, your age, and the type of car you have. 

If you’re buying a car, talk to your dealer and have them run the same check. For example, if you’re unlucky enough to have a claim on a car that was insured by another company, their rates will likely go up. For inquiries in the greater Omaha, NE community, call the team at Insurance Solutions LLC. 

What to Know About the Auto Insurance 

If you live in a large city and drive very little, you may only need a minimum amount of liability coverage, such as $100,000 per person, and $300,000 per accident. If you drive a lot and live in a rural area, you may need more coverage than if you lived in a large city. 

For example, if you live in a rural area and drive 10,000 miles per year, you may need $500,000 of liability coverage per person, per year. You want to ensure that you’re covered in case of a claim, but also realize that a high liability policy will cost you more in the long run. 

Typically, the minimum amount you need depends on your age and where you live. The older you get, the more likely you are to hit the minimum — and the more you will likely pay for a policy that does not cover you. A 20-year-old low-risk driver in a low-risk geographic area can likely get by with $100 a year in liability coverage. 

Contact Us Today

The best way to determine the amount of coverage you need is to start by contacting your auto insurance provider. To ensure you purchase the right amount of coverage, it’s a good idea to start by reading your policy. Confer with Insurance Solutions LLC for expert assistance in Omaha, NE.

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  • Encompass
  • Farmer's Mutual of Nebraska
  • Foremost
  • IMT
  • Liberty Mutual
  • Nationwide
  • Progressive
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  • The Hartford
  • Travelers

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