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Is Minimum State Coverage Enough

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One of the common questions that most drivers ask is whether or not the minimum amount of state coverage for car insurance is enough. This is generally asked when new drivers realize the amount of money that they have to invest on a regular basis in order to become insured. Unfortunately, the answer is yes and no -- it requires far more consideration than you might expect. The following overview explains some of the basics of minimum state coverage and whether or not it is right for you.

Can you purchase minimum state coverage and have enough car insurance coverage for all of your needs? First of all, every state’s minimum requirements tend to vary. Although you may be able to get away with having minimum state coverage in one state, you might find that in other states, you need to have the minimum and then some additional provisions to ensure that you are well prepared for anything that may happen out on the road. You should always find out what’s required by your own state and check out any of the recommendations that they may have, as they are usually the best choice for most drivers.

While you can have minimum state coverage and have enough coverage to drive around without it being considered to be illegal, it’s not a recommended option. The problem with this type of logic is that although you may be insured, the minimum amount of insurance is generally not going to provide you with enough coverage for medical provisions, injuries, repair for your car, and any of the additional coverage that you may need if other people are injured due to your accident. Although you can certainly get around and drive comfortably with minimum state insurance, it’s not the best choice if you want to be certain that you are covered for everything possible.

People typically want to opt for minimum state coverage when they don’t want to spend a lot of money on the other insurance plans that are available. If you are having difficulty with finding affordable options, you may want to do some research online or in the phone book to determine some of the other insurance providers that are present in your area. They can generally provide you with quotes that would be far more affordable.

If you are a new driver, then you may be able to get discounts on your insurance. Those who have gone to driving school or driver’s education can typically use proof of their attendance to help get a discount on some of the monthly rates that they pay for car insurance. The longer that you are able to drive without having any accidents or tickets will also be helpful; this will eventually provide you with lower rates when you have been driving for several years without any issue on your record. In the long run, there are always options for having ideal insurance and not subjecting yourself to the state minimum due to financial concerns.