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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?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
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