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What is a good amount of car insurance to carry?

My insurance is renewing next month and I'd like to change my coverages. I think I may be underinsured, but I'm not sure. What is a good amount of insurance to carry?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“When looking at your
car insurance
coverage, remember one thing: you can never be over insured.
Most experts recommend carrying the highest amount of coverage you can afford. A good starting point is $100,000/$300,000 for
bodily injury liability
and property damage liability.
However, if you can afford to carry higher coverage limits, you should consider doing so. Insurance limits can be exhausted quickly in an accident, so having enough coverage to protect yourself and your assets is important.
You’ll also want to consider the value of your vehicle and whether you can afford to replace it if marked a total loss. If you can’t, you should also consider adding both
collision insurance
and
comprehensive insurance
.
You should also shop around. If you want cheap car insurance quotes fast, go to
Jerry
. As a licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.”
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