You may be wondering, <\/span><\/span>\u201cIs it bad just to carry minimum coverage car insurance?\u201d<\/span><\/span><\/em><\/strong> <\/span><\/span>If at all possible, you will want to carry more than your state\u2019s minimum coverage requirements for car insurance. You <\/span><\/span>can purchase<\/span> collision, comprehensive, and other types of car insurance to exceed minimum coverage for better protection. If your state\u2019s minimum requirements seem like all you can afford, be sure to <\/span><\/span>compare quotes<\/span><\/u><\/span><\/strong><\/a> <\/span><\/span><\/strong>to see how much you could save on car insurance coverage.<\/span><\/span><\/span><\/p>\n<\/div>\n \u00b7 As long as you meet your state\u2019s minimum requirements when it comes to car insurance coverage, purchasing the minimum coverage is perfectly legal.<\/span><\/span><\/span><\/p>\n<\/div>\n \u00b7 If you are financing your vehicle, you will probably need to carry more than just liability.<\/span><\/span><\/span><\/p>\n<\/div>\n \u00b7 Your state\u2019s minimum requirements will not cover your car for vandalism, weather damage, or any similar occurrences.<\/span><\/span><\/span><\/p>\n<\/div>\n If you are looking to purchase car insurance, you are probably wondering, <\/span><\/span>\u201cIs it bad just to carry minimum coverage car insurance?\u201d<\/span><\/span><\/em><\/strong><\/span><\/p>\n<\/div>\n Truthfully, the answer to this question depends on your specific situation. There are many factors that help people decide what type of car insurance they need.<\/span><\/span><\/span><\/p>\n<\/div>\n Some people choose full coverage, including collision and comprehensive, and others choose to invest only in their state\u2019s minimum requirement for car insurance.<\/span><\/span><\/span><\/p>\n<\/div>\n If you are financing a car, you will likely need to carry full coverage. If you own your car and no longer make payments, you likely have the autonomy to make this decision on your own, although you will probably want more than minimum coverage after an accident.<\/span><\/span><\/span><\/p>\n<\/div>\n So, are minimum coverage car insurance quotes what you should be searching for? And what are the factors that affect the price of car insurance?<\/span><\/span><\/span><\/p>\n<\/div>\n As you search for affordable minimum coverage car insurance, be sure to get a <\/span><\/span>free quote<\/span><\/span><\/em><\/strong><\/a> <\/span><\/span><\/a>to compare multiple companies at once.<\/span><\/span><\/span><\/p>\n<\/div>\n What is the minimum amount of car insurance required by law?<\/span><\/span><\/strong><\/span><\/p>\n<\/div>\n The minimum amount of automobile insurance required by law is something that varies from one state to the next. In order to drive legally, you must meet your specific state\u2019s minimum auto insurance requirement.<\/span><\/span><\/span><\/p>\n<\/div>\n While state requirements for minimum coverage may vary, most states require at least:<\/span><\/span><\/span><\/p>\n<\/div>\n \u00b7 Uninsured\/underinsured (UIM)<\/span><\/span><\/span><\/p>\n<\/div>\n \u00b7 Personal injury protection (PIP)<\/span><\/span><\/span><\/p>\n<\/div>\n The amount of each of these coverages depends on your state\u2019s requirements, and the cost of insuring your vehicle in your state will likely not be the same as the cost if you lived somewhere else.<\/span><\/span><\/span><\/p>\n<\/div>\n There can be a significant difference in price from one state to the next, even when simply choosing the minimum coverage option.<\/span><\/span><\/span><\/p>\n<\/div>\n Because car insurance laws by state differ so much, it\u2019s a good idea to speak to a representative from any company you are seriously considering to make sure the policy you want will meet your state\u2019s minimum requirements.<\/span><\/span><\/span><\/p>\n<\/div>\n While minimum coverage car insurance rates may seem steep, they are <\/span><\/span>much<\/span> cheaper than collision, comprehensive, or other types of coverage.<\/span><\/span><\/span><\/p>\n<\/div>\n What\u2019s the downside to just carrying minimum coverage car insurance?<\/span><\/span><\/strong><\/span><\/p>\n<\/div>\n If you are wondering how much insurance you need for your car, you have the freedom to decide this for yourself after meeting your state\u2019s requirements.<\/span><\/span><\/span><\/p>\n<\/div>\n While it may seem like you save a lot of money going with a minimum coverage plan, it might not be a good idea for you.<\/span><\/span><\/span><\/p>\n<\/div>\n The whole point of car insurance is to cover you if anything happens to you, your vehicle, or another person\u2019s vehicle if you\u2019ve been in a car accident. Choosing minimum coverage will not protect you from <\/span><\/span>specific<\/span> scenarios, as well as full coverage will.<\/span><\/span><\/span><\/p>\n<\/div>\n For instance, if you park your vehicle outside your home, and someone vandalizes it and steals items out of your car in the middle of the night, you are likely not covered for that with a minimum coverage plan.<\/span><\/span><\/span><\/p>\n<\/div>\n But comprehensive coverage would be helpful in this type of event. The same goes for weather damage or if you hit a mailbox or other structure while driving.<\/span><\/span><\/span><\/p>\n<\/div>\n Minimum coverage does not help in any of these scenarios. So if you drive a lot, <\/span><\/span>a newer vehicle, or simply want to be on the safe side, you may want to do more than <\/span>buy minimum coverage car insurance.<\/span><\/span><\/span><\/p>\n<\/div>\n Should I buy more than the minimum state-coverage car insurance?<\/span><\/span><\/strong><\/span><\/p>\n<\/div>\n For a lot of people who ask this question, the <\/span><\/span>wise<\/span> answer is \u201cyes.\u201d To protect yourself and your property, you should purchase car insurance that covers you regardless of the scenario.<\/span><\/span><\/span><\/p>\n<\/div>\n You may be in a situation where you feel you cannot afford to purchase more than your state\u2019s minimum requirements for car insurance. If that\u2019s the case, you need to be sure to carry at least your state\u2019s minimum coverage in order to drive legally and without penalty.<\/span><\/span><\/span><\/p>\n<\/div>\n But you may still be able to find better coverage by shopping around online and comparing car insurance quotes.<\/span><\/span><\/span><\/p>\n<\/div>\n Before you decide to focus on a minimum coverage car insurance company, <\/span><\/span>use our free tool below<\/span><\/span><\/a> to compare quotes and see what you would pay for better coverage.<\/span><\/span><\/span><\/p>\n<\/div>\n \u00b7 Your state minimum liability requirements don’t cover injuries to you or your passengers or damage to your car.<\/span><\/span><\/p>\n<\/div>\n \u00b7 If you have state-minimum car insurance and are deemed at fault in an accident, you may be liable for all expenses not covered by your policy.<\/span><\/span><\/p>\n<\/div>\n \u00b7 Your state\u2019s minimum might do very little to protect you if you cause a catastrophic accident.<\/span><\/span><\/p>\n<\/div>\n \u00b7 State minimums are the cheapest, bottom-of-the-barrel insurance you can get. It likely won\u2019t be enough if you get into an accident.<\/span><\/span><\/p>\n<\/div>\n \u00b7 While the minimum car insurance required by your state of residency will cover damage you cause to another driver, it will not cover your own. Additionally, it will not cover damage to your vehicle that is not from an accident, like a tree falling or theft.<\/span><\/span><\/p>\n<\/div>\n So, before you decide to focus on a minimum coverage car insurance company, get a<\/span><\/span> <\/span><\/span><\/em><\/strong>free quote<\/span><\/u><\/span><\/em><\/strong><\/a>