Q: Why does the car insurance company care if I want to raise my liability limits?
Apr 29, 2021

I was quoting different coverage limit options on my car insurance company’s website to see the price difference, and there was a pop-up asking why I was requesting this amount of coverage. Can’t I get whatever limit I want? Why do they care?

Answer provided by
Shannon Martin
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.

“It is a good idea to increase your liability coverage limits if you can. There are a couple of reasons why an insurance company might care about this, though.

If you have an extensive claim history, an insurance company will want to look a little closer before approving very high limits or drastically increased limits.The company is responsible for paying up to your coverage limit in the event of a claim, so they want to look at the risk.

Some companies only offer up to certain limits based on how your policy is underwritten. Requesting limits higher than what you qualify for, based on their criteria, might prompt them to look more closely.

Perhaps they are inquiring so that they can offer you something that would suit your needs better, like an umbrella policy or a commercial or business policy.

If you are just doing some cost comparison, let them know so that they can offer the best options for you.

Not quite the question that you were looking for?
Our insurance agents are ready to help you, for free.
Ask your question
Have an insurance question?
avataravataravatar
Our insurance agents are ready to help you, for free.
Ask your question
Our customers say the nicest things
Our members, saved over $5 million in the last 30 days
Find savings (100% Free)
Rated 4.7/5 in the App Store
logos
logos
logos
This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!
Jerry.ai is the easiest way to compare and buy car insurance
arrow
No long forms
arrow
No spam or unwanted phone calls
arrow
Quotes from top insurance companies
Find savings (100% Free)
4.7/5 Rating on App Store
Have an insurance question?
avataravataravatar
Our insurance agents are ready to help you, for free.
Ask your question
Our customers say the nicest things
Our members, saved over $5 million in the last 30 days
Find savings (100% Free)
Rated 4.7/5 in the App Store
logos
logos
logos
This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!