Reply to How much auto insurance do I really need in NoVA?

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[quote=Anonymous][quote=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

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?

[/quote]

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. [/quote]

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