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How much insurance should I carry on my 2007 Toyota Highlander?
"I currently carry the state minimums in California. I own a house, but don't have any other assets. Should I raise my coverage limits? Is there a better amount to carry?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While you currently may not have many assets, having proper
car insurance
coverage also protects your future assets. Carrying California’s state minimum car insurance
likely wouldn’t protect your home.Car insurance experts recommend carrying the highest amount of coverage you can afford. A good place to start is $100,000/$300,000 coverages for
bodily injury liability
.If you’re unable to afford that level of coverage right now, that’s okay. You should continue to increase your insurance coverage as it fits within your budget.
You should also look into other carriers. While you may not be able to afford higher coverage limits with your current carrier, you could find it elsewhere. You can never have too much car insurance. Being properly insured secures your finances and vehicle in the event of an accident or damage.”
View full answer
- Gregory R.
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