How much auto insurance do I really need in NoVA?

[Anonymous]

Currently based in NoVA, and annual premium is: $2,184 for two cars.

COVERAGE LIMITS PREMIUM PER VEHICLE

A. Liability
Bodily Injury $250,000 Each Person $500,000 Each Accident
Property Damage $50,000 Each Accident

C. Uninsured Motorists
Uninsured Motorists $250,000 Each Person
Bodily Injury $500,000 Each Accident
Property Damage $50,000 Each Accident

D. Coverage for Damage to Your Auto
Collision
Actual Cash Value Less
Deductible Shown
Veh 1 $500 Veh 2 $500

Other Than Collision
Actual Cash Value Less
Deductible Shown
Veh 1 $500 Veh 2 $500

My questions: Is this too much? How much is really needed?

[Anonymous]

You can’t double post.

[Anonymous]

Anonymous wrote:Currently based in NoVA, and annual premium is: $2,184 for two cars.

COVERAGE LIMITS PREMIUM PER VEHICLE

A. Liability
Bodily Injury $250,000 Each Person $500,000 Each Accident
Property Damage $50,000 Each Accident

I have $500k, $1 MM, $500k

C. Uninsured Motorists
Uninsured Motorists $250,000 Each Person
Bodily Injury $500,000 Each Accident
Property Damage $50,000 Each Accident

I have $100k, $250k, $50k

D. Coverage for Damage to Your Auto
Collision
Actual Cash Value Less
Deductible Shown
Veh 1 $500 Veh 2 $500

I have $200 deductible

Other Than Collision
Actual Cash Value Less
Deductible Shown
Veh 1 $500 Veh 2 $500

I have $100 deductible

My questions: Is this too much? How much is really needed?

I have a 2019 Subaru Forester, my annual premium is just under $1000 and I have more coverage than you. Are you insuring expensive cars or drivers with records?

I’m a former insurance adjuster and my recommendation is to always have enough liability coverage.

[Anonymous]

Since VA is state where they came come after your personal assets, the more the better. But at some point, an umbrella policy may make more sense and will cover your house and car.

[Anonymous]

You have some issues with your driving record? That’s really high for 2 cars.