Knowing how much car insurance coverage on your vehicle you need in order to be properly covered out on the road can be a very confusing process. While everyone ideally would like to have maximum coverage, that doesn’t always fit into every person’s budget. It is very important to know not only how much auto insurance you have, but what that covers. The Sawaya Law Firm’s Auto Insurance Coverage Calculator can get you headed in the right direction, so in case of an unexpected car accident, you can be relieved you are completely covered how you need to be.
Completion:
Marital Status
Tell us about yourself. Select the option closest to your situation.
*Dependents include stay-at home spouses, adult children, and elderly parents that live in your household and rely on you for support.
Marital Status:
Age
How old are you?
Age:
Insurance Coverage
Nobody ever wants to be in an accident. However it does happen. Protecting yourself just in case is the number one importance.
Why is this important?
Insurance Coverage
What do you look for when shopping for insurance coverage?
Insurance Coverage:
Home Ownership
Do you own your home?
Home Ownership:
Car Ownership
Depending on if you finance or lease your vehicle, you'll need to carry Comprehensive and Collision. Also, several leasing companies require specific limits of liability to make sure they are protected financially.
Why is this important?
Car Ownership
For your expensive vehicle you'd like insurance for, do you:
Car Ownership:
Automotive Value
This information helps us decide if it would be benefical to carry Comprehensive and Collision coverage.
Why is this important?
Automotive Value
What is the most expensive vehicle you'd like to insure worth?
$5,000 or less
$50,000 or more
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$13,000
$28,000
$43,000
Automotive Value:
Time Spent in Vehicle
The more time you spend driving, the higher your risk of being involved in an accident becomes. Choosing your coverage to match your driving time is important.
Why is this important?
Time Spent Driving
Final question! Do you spend a lot of time in your car?
Time Spent Driving:
Keep in mind that lower limits of liability coverage are available to you. If our suggested limit is not affordable at this time, you might consider carrying a lower limit. However, if you choose to do this, we recommend periodically reviewing your liability coverage to ensure you have adequate protection in the event of an accident.
You may want to consider higher limits of liability if:
You get married.
You have a young driver in your household.
You receive a promotion at work or start at a new job.
You buy a home.
Here are your personalized results! Ultimately, the level and type of coverage you carry is up to you. Use these recommendations as a starting point when considering your coverage.
Bodily Injury Liability
Pays damages for other people's injuries or death resulting from an at-fault accident, including medical treatment, lost wages, and compensation for pain and suffering. Insufficient coverage may put your personal assets and earnings at risk. The first figure is the maximum amount we will pay for injury or death to any one person. The second figure is the maximum we will pay (regardless of the number of people involved) for injury or death resulting from a single occurrence.
$50,000 / $100,000Bodily Injury Liability:
Property Damage Liability
Pays for damage to other people's property (such as vehicles, shrubs, signs, or buildings) resulting from an at-fault accident. If you do not carry sufficient coverage, your personal assets and earnings could be at risk.
$50,000Property Damage Liability:
Uninsured Motorist Bodily Injury
Pays you, your household relatives, and passengers in your insured motor vehicle for damages resulting from bodily injury or death arising out of accidents caused by uninsured motorists and, in most states, by hit-and-run motorists. These limits must equal your Bodily Injury liability limits unless you specifically request lower limits in writing. The first figure is the maximum amount we will pay for injury or death of any one person. The second figure is the maximum we will pay (regardless of the number of people involved) for injury or death stemming from a single occurrence. UMBI coverage and availability varies from state to state; see your policy contract for details.
Pays damages you are legally entitled to recover because of damage to your insured vehicle caused by uninsured or hit-and-run motorists. You must carry this coverage at the same limit as your Property Damage liability coverage unless specifically requested at a lower limit in writing. Uninsured Motorist Property Damage does not cover the first $200.00 of damage to your vehicle as the result of any one accident. UMPD coverage is not available in all states; see your policy contract for details.
$50,000Uninsured Motorist Property Damage:
Comprehensive
Pays for damage to your car from theft, vandalism, flood, fire or other covered perils.
$250 (suggested deductible)Comprehensive:
Collision
Pays for damage to an insured vehicle when it hits or is hit by another car or object, or if the car overturns.
$500 (suggested deductible)Collision:
The Sawaya Law Firm's Auto Insurance Coverage Calculator is an educational tool to help you learn about the importance of selecting the proper insurance. The information provided is intended solely as an educational tool, and it is ultimately your decision when choosing auto insurance. The coverage options displayed in the Auto Insurance Coverage Calculator are listed in general may not be available in all areas or personal situations. For more questions and advice on proper coverage recommendations, call The Sawaya Law Firm at 303-GOOD-LAW.
Bodily Injury Liability: 
