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If you have your eye on expenses, you may be tempted to trim your car insurance bill by dropping or lowering coverage. Dropping coverage like comprehensive or collision, or lowering liability limits, can cut your premium but could also put you at serious risk.

WHAT COVERAGE DO YOU NEED? An auto policy provides protection against property, liability and medical costs if you’re in an accident.  LIABILITY coverage pays for your legal responsibility to others for bodily injury or property damage. MEDICAL coverage pays for the cost to treat injuries, rehab and may include lost wages and funeral benefits.  UNDERINSURED MOTORISTS coverage pays for property damage and bodily injury caused by another driver whose coverage is insufficient to cover all damages.

Selecting the proper liability limit is fundamental.  100/300/50 means that you’re covered for up to $100,000 in bodily injury coverage per person, $300,000 in bodily injury coverage per accident, and $50,000 in property damage per accident. While it may lower your premium, reducing liability limits and dropping underinsured or uninsured motorists coverage could expose you to substantial risk.


  • consider raising your comprehensive and/or collision deductibles
  • maintain a good driving record
  • drive less to qualify for a low-mileage discount
  • drive a car with safety features such as anti-lock brakes & airbags
  • install an anti-theft device
  • ask about multi-policy discounts

By purchasing liability limits to account for both your current assets and future net worth, you can help protect yourself and your family.  We can help you select limits that meet your unique needs.