What's the minimum auto insurance coverage I should have in california?


Question:
I'm not talking about the minimum required by law, but what's a good idea to have? Is 100/300/50 BIPD overkill? Are we just throwing our money away?

Answer:
Those are great insurance limits to have, If you were to hit some body, that coverage gives 50,000 towards their car (which wouldn't cover a totaled escalade), and 100,000 dollars to each person for medical bills, which you hope will never have to use all of it, but is nice to know you have. Besides if you were to drop to state minimum required it would only save maybe $50 a year thats less than $5 a month. Definitly worth the price.
Full coverage is great to have if you can afford it, that covers you and anyone who hits you who isn't insured, and some companies have other perks, road side assistance and such.

All you have to have by law is liability, which covers the other car if you hit someone and it's your fault.
no thats actually average. Some medical costs can get up there. and if u sued, o man ur in trouble. Stick with what u said.
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