我需要多少车险?

当你得到一辆车, it’s common to consider what the recommended 汽车pp王者电子官网 coverages are. 毕竟，要求的覆盖范围因州而异，有时是不同的 国家最低标准 哪些通常非常低. Unfortunately, t在这里's no black and white answer. 这在很大程度上取决于什么 coverages you need and the amount of deductible you feel comfortable 与. The 状态 Farm® 个人价格计划® helps you create an affordable price (just for you).¹

Here's a helpful breakdown to use while looking to purchase 汽车pp王者电子官网:

How much liability insurance do I need?

责任pp王者电子官网范围 expenses when you’re at fault in a crash. pp王者电子官网范围扩大到其他车辆和在撞车事故中受到损害的人, 都是因为你的疏忽. 大多数州要求你为你的车辆投保最低限度的责任pp王者电子官网.

No one can predict exactly how much you'd have to pay if you cause a crash. 但要问的关键问题是：你能负担得起超出pp王者电子官网范围的损害赔偿吗? 你的责任范围越高，你的pp王者电子官网可能承保的损害就越多.

来了解一下有多少 责任pp王者电子官网 you might need, add up the value of your home, cars, savings and investments. Then subtract your debts (what you owe). 例如, 如果总“净资产”是220美元,000, 你可以考虑250美元,000 liability for injuries per accident. If you feel you need additional coverage, 你可以增加到50美元,000递增到500美元,000. If you feel you need coverage beyond that, consider an 伞的政策.

请记住，责任pp王者电子官网通常显示为一系列3个数字, 例如100/300/100. 这个系列中的每一个数字都代表了不同类别的报道金额（以千为单位）.

1. 100第一个数字代表每个人身伤害索赔的最大pp王者电子官网金额. 在这个例子中, up to $100,000 is available for each injured person.
2. 300第二个数字代表整个事故中对人身伤害索赔的责任pp王者电子官网的最高金额. In this case, up to $300,000 is available for all injured persons. 值得注意的是, 即使保单可能有300美元,总保额为1000万, 如果任何一个人的损失超过100美元，被pp王者电子官网人的个人风险可能超出其政策限制,000.
3. 100第三个也是最后一个数字代表财产损害责任范围的最高金额. 在这个例子中, 这是100美元,000 available to pay for property damage for which an insured is liable.

Do I need comprehensive and/or collision insurance?

这取决于. 碰撞的报道 涵盖了 修理你的汽车 如果你出了车祸. 全面的覆盖 包括你的 如果是偷来的车 or damaged by something other than a collision or rolling over. You might not have a choice to not carry this coverage if your car is leased or financed; most lenders will require you to carry enough coverage to cover the cost of 修理你的汽车.

如果你拥有这辆车, 你可以考虑免除碰撞险和/或全面pp王者电子官网所节省的费用是否足以抵消修理或更换汽车的全部费用. 例如，如果你的 汽车全毁了 from an accident in which the other driver as at fault and has no insurance, 当你在商店购物时在停车场被撞，或者在公园徒步旅行时被偷, 你有办法在没有pp王者电子官网公司帮助的情况下更换它吗?

如果你的车比较旧，不是 古董那么，也许是时候放弃碰撞险和综合pp王者电子官网，把这笔钱存起来了. 你可以把碰撞和综合pp王者电子官网的费用拿出来，看看pp王者电子官网单的费用与你的车的价值是多还是少. If so, it might be time to drop the coverage. 例如, 如果你的车值1美元,000 and your coverage costs $500 a year plus a $500 deductible, you're not really getting anything for your money.

How much should my 碰撞与综合 deductibles be?

这是一种平衡行为. 较高的免赔额 通常会降低您的保费，但如果发生损失，将增加您的自付费用. Ask yourself how much you're willing and able to pay directly, 通常在短时间内, 这样可以节省你的pp王者电子官网费. If you want to lower the amount you have to pay when a crash occurs, you might want to opt for a lower deductible.

如果在你的pp王者电子官网上省钱是你消除碰撞和提高免赔额的动机, consider these other car insurance money savings tips.

• 捆绑销售请向你的pp王者电子官网公司咨询如何选择合并购买你的产品 房屋pp王者电子官网 or 租房者pp王者电子官网 与你的 汽车pp王者电子官网.
• pp王者电子官网评级在购买你的汽车时，要考虑pp王者电子官网公司将如何对它们进行评级. Some cars cost more to insure than others.
• Consider sharing your driving information：诸如 开车安全 & 保存® from 状态 Farm put you in control of your discount.

我还应该考虑其他的pp王者电子官网吗?

Here are some other types of coverage that you might want to consider. 你的pp王者电子官网公司可以为你提供更具体的信息，关于你居住的地方的要求和限制, since these coverages might be mandatory in some states.

• 未投保的驾驶者pp王者电子官网 如果您或其他受保人在没有责任pp王者电子官网的司机造成的车祸中受伤或行人被撞，您将获得赔偿. In some states, it may also pay for property damage. The coverage varies by state and depends upon policy provisions. 未投保的驾驶者pp王者电子官网 is subject to a policy limit chosen by the insured.
• 汽车pp王者电子官网不足 如果您或其他受保人在汽车事故中受伤，或在行人中被另一名被视为pp王者电子官网不足的司机撞倒，您将获得赔偿. It varies by state and depends upon policy provisions. 投保不足的驾驶人的pp王者电子官网范围受受被pp王者电子官网人选择的政策限制.
• 人身伤害保障（PIP） 支付您或其他受保方的合理和必要的医疗费用，用于因车祸或行人被撞而导致的治疗. 它还可以支付康复、收入损失、服务更换和丧葬费用. The coverage varies by state and specific policy.
• 医疗支付范围 在很多州都有吗. 对因交通事故或因行人被撞而产生的费用，支付必要的医疗费和丧葬费. 医疗支付范围 varies by state and specific policy.
• 路边援助 pays for covered services when your 车辆 is disabled. These services could include towing, locksmith, jumpstart and tire changes.

T在这里 are also some coverages that are optional and might be useful like 汽车租赁 or 随意组合. 在任何时候，如果你有什么问题，你的车辆pp王者电子官网应该是或 什么影响汽车pp王者电子官网费，你可以 联系座席 or 在网上获得汽车pp王者电子官网报价.