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Golden Way Insurance Services, Inc.

10092 Chapman Ave # 2
Garden Grove, CA 92840

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Do You Have Enough Auto Insurance?

Considering the vast number of auto insurance coverages available, determining the exact amount of auto insurance you require can be tough. Although almost all the states have minimum auto insurance, the requirements are much less than what you’d need. 

To answer the question “How much auto insurance do you need?” Golden Way Insurance Services in Garden Grove, CA, have broken down the various car insurance coverages and the minimum amount you should have for each. 

Liability coverage

This insurance coverage shields you when your vehicle crushes someone accidentally. It helps you meet other people’s medical bills and property damage without emptying your pocket or borrowing debts. But how much of it do you need? 

While California has a minimum amount, this isn’t adequate. Most financial experts advise that you should have $100,000/$300,000. However, if this isn’t adequate for you, consider umbrella insurance.

Personal injury protection (PIP)

This covers treatment costs for passengers as well as the driver. In some other cases, PIP insurance will also include lost wages due to injuries. To determine the coverage you need, ask how much it would cost to treat your injuries? Do you have health insurance? Answers to these questions determine how much coverage you need. 

Comprehensive and collision coverage

Collision coverage covers your vehicle when it sustains physical damages in a collision. However, when your car is damaged due to other reasons besides crashes, your comprehensive insurance cover comes to your rescue. But how much of these coverages should you buy?

The amount of coverage you purchase should be adequate to replace your vehicle when a total loss occurs.

The bottom line

Figuring how much motor vehicle insurance coverage you need can be a huge task. If you cannot figure out this on your own, consider consulting with Golden Way Insurance Services in Garden Grove, CA.

Our Partners


  • ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
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