Are you spending too much on auto insurance? You may be spending more than you have to without realizing it. Why would you want to spend money on something that you don’t need that much of? You wouldn’t, right? So, why are you spending all that money on auto insurance? However, before you dropped your auto insurance you should know that the majority of the states require that you carry at least minimum liability insurance. With a minimum liability insurance, any damage done to other persons property or person will be covered but not yours. Each level of insurance has a different deductible which is the part of the bill you are responsible before your insurance kicks in. The premium is the bill that you are responsible for each month in order to pay your insurance and maintain your coverage. How do you know then if you are carry too much auto insurance? If you currently carry full coverage and are looking to drop to collision only you should probably take a few factors into consideration. Some of the factors you need to look into before dropping your full coverage include: Do you own the car or is it on a lease? What is the value of the car you are looking to drop your full coverage on? Know that dropped to collision only will not cover you if hail breaks your windshield. How much are you currently paying for full coverage? After you take all of these factors into consideration, and only then, can you make an educated decision on whether or not to go to collision only.


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