When shopping for car insurance we usually just go with what the insurance agent recommends. But everyone is different so sometimes it pays off to know just how much car insurance you need. Here are some ways of finding out what the right amount of coverage is for you.

How much driving do you do on average? If you spend a lot of time behind the wheel, chances are you need more coverage than someone who is only an occasional driver. Accidents can happen to anyone regardless of how much they drive but if you drive more, your risk is greater.

If you have a lot of assets, you may want to consider more coverage. If you have a lot of money in the bank, you should make sure you have the additional protection to shield your assets.

Do you drive an expensive car? Expensive cars can be very expensive to repair and replace so they need a lot of coverage. If you have an expensive car and not enough coverage in place, you may have to pay out of pocket for expenses that go above and beyond the policy limits of the cars insurance.

Are you what would be considered a safe driver, or do you frequently get into accidents? Drivers who are prone to getting into accidents should think about increasing their coverage. It’s just common sense that if you’re a person with a history of getting into accidents, you should have greater coverage because you are more likely to get into another accident. The greater coverage will cover property damage and personal injury claims.

Make sure you are compliant with state laws. Every state has a mandatory minimum coverage that you must carry on each of your vehicles. Before you decide on how much insurance coverage you need, make sure it is at least enough to meet your states requirements.