Lowest Auto Insurance Rates Memphis

Lowest Auto Insurance Rates Memphis

Lowest Auto Insurance Rates Memphis

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Most states require you have car insurance and have laws that outline the minimum level of coverage you must buy.

The minimum limits your state requires, however, may not necessarily be adequate. A car accident can cost far more than the limits mandated by most states. The Insurance Information Institute recommends you carry at least $100,000 of bodily injury protection per person and $300,000 per accident (known as 100/300).

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How to read auto insurance liability limits

Here’s how to read auto insurance liability minimums:

1. First number: Bodily injury liability maximum for one person injured in an accident.
2. Second number: Bodily injury liability maximum for all injuries in one accident.
3. Third number: Property damage liability maximum for one accident.

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For example, if you live in New York, the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $10,000 for property damage in an accident (written as 25/50/10). Plus, New York requires you to have personal injury protection (PIP) and uninsured motorist bodily injury coverage (UM).

UM, what?

Here’s your guide to the car insurance acronyms in the chart below.

• UM = Uninsured motorist coverage.
• UIM = Underinsured motorist coverage.
• UM BI: Uninsured motorist bodily injury coverage.
• UMPD: Uninsured motorist property damage coverage.
• PIP: Personal injury protection.
• PPI: Property protection insurance (Michigan).
• BI liability: Bodily injury liability.

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