One of the factors used by many insurance companies these days to determine your auto insurance rate is how much bodily injury liability you carry on your current car insurance policy.
The good news is it does not cost much more to increase your liability coverage on the auto insurance policy you have now, and when you shop your auto insurance, many companies reward you with a lower rate, since people carrying higher liability limits on their previous policy tend to have less claims.
Every auto insurance customer should take advantage of better insurance coverage at a lower price. Shop your car & home insurance companies with all the leading insurance companies, and you could pay half as much you pay now for insurance.
What is Bodily Injury liability, and why does more coverage lower your auto insurance rates?
Bodily injury liability covers you if you are legally responsible for injuring other people due to the use of your car. Most auto insurance policies have two dollar limits you need to know: a per person limit, which is the most the insurance company will pay in damages due to the injury of a single person, and a per accident limit, which is the most the insurance company will pay for all people injured in a single accident.
For example, say you have only the Oregon minimum Bodily Injury Liability limits of $25,000 per person, and $50,000 per accident. If you are driving your car, slide on ice, and you rear-end the car in front of you, you will be responsible for any medical bills, physical therapy/rehabilitation costs, lost wages, and compensation for pain and suffering resulting from the injury to a person in the accident.
Even with minor injuries, these expenses add up quickly, and can easily surpass your $25,000 per person limit. Once your policy pays its limit, YOU are responsible for any damages above your limits.
Some people say. “Let them sue me, I don’t have anything.”
Do you have a job? Your wages can be garnished until your debt is paid to the injured party. I have seen this happen and seen people seriously regret not carrying enough coverage.
When I was selling auto insurance, I always recommended taking as much liability coverage as you can afford. Heaven forbid the person injured is a high wage earner, like a surgeon, who can no longer practice their profession due to the injury. You could be looking at a multi-million dollar lawsuit.
People with bad driving records, inexperienced drivers, and drivers with frequent claims, almost always have the state minimum liability coverage. When you have higher liability limits, you are in another statistical group of drivers, ess likely to have claims, so many auto insurance companies reward your smart choice to have more than the state minimum liability coverage. The higher your liability limits, the more you save! This is one of the reasons I carry $250,000 per person, $500,000 per accident for Bodily Injury Liability coverage, and $100,000 per accident for Property Damage Liability coverage.
Call your insurance company now and find out what it costs to increase your liability coverage. Increase your liability coverage, then shop your car insurance for a better rate each year before your policy renewal date. You may pay less with another company with more coverage than what you pay for now.
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