Why am I being required to carry such high liability limits on my auto policy for my old Nissan Altima?

I live and work in NYC as a realtor. I have a 2013 Nissan Altima that I drive on the weekends. I never bring my clients with me in the car. My insurance agent requires me to add liability limits of $500,000 to the policy! Is there a way around this?

“Since the general nature of your job is to have clients ride with you from home to home, your agent may not understand that this is not how you are using your car.
If you have any type of business endorsement listed on your policy, speak with your agent about having it removed. This may then result in your agent waiving the higher liability coverage limit requirement.
Have you inquired about adding an umbrella policy to your coverage? If so, this could also be why they are asking you to carry more coverage.
If, after addressing the above, you are still being required to increase your limits, you may want to get car insurance quotes online from other carriers. If you are not using your car for business, you should not be forced to pay higher limits.
Give the fee Jerry app a try. It takes less than a minute to sign up and you’ll be presented with competitive rates from up to 45 top providers. “
Shannon Martin
Answered on May 06, 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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