Do I need more coverage on my Spectra than what Massachusetts requires?

My mom says I need more coverage than the state minimum in Massachusetts. I am 22 and drive a 2009 Kia Spectra, and I can save $90 a month with minimum liability coverage. And no, I am not putting full coverage on the Spectra.

“Many people elect to carry the lowest-cost coverage, but not the coverage that they need. You should have liability coverage limits that are significantly higher than the minimum requirements whenever possible.
The amount of liability coverage that you carry should be enough to protect you in the event of a catastrophic accident. Whether you have significant assets or not, you do not want to be in a situation where your liability coverage limits are exhausted.
Take a few moments to compare the cost of different coverage limits with different insurance companies. You can often increase your limits without seeing too much of an impact on your premium.
Use an insurance broker like Jerry to get quotes from multiple companies and ensure that you are getting the most coverage for the best price.”
Shannon Martin
Answered on May 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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