Consider the following: You are at fault for a crash that injured three people in another car. Your bodily injury liability limit per person is $50,000 and your bodily injury limit per accident is $100,000. If Person 1's medical bills total $40,000, Person 2's cost $30,000 and Person 3's cost $25,000, you're likely covered. Each person's bills were under $50,000 (your bodily injury limit per person), and the total cost of injuries is $95,000, which is lower than your $100,000 bodily injury limit for a single accident.
Defensive driving classes go beyond the basics taught in driver’s education by having motorists learn how to drive in hazardous conditions, anticipate dangerous situations and avoid accidents. The best part? The cost is usually only $25 to $75 and you’ll typically snag a discount of five to 15 percent for three years.  Note, however, that insurer and state law requirements for these discounts vary a great deal. For example, 21st Century Insurance offers a discount to drivers under the age of 21 who take a state approved defensive driver course but with Esurance the discount is not age-based and is available to all drivers in New York, New Jersey, North Dakota, Georgia and Oklahoma.
How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.
All drivers are required by law to carry an auto liability insurance policy. A liability policy is the most basic kind of auto insurance on the market, providing a level of protection for vehicular accidents in which the policyholder is liable for injury or damage. If you are involved in a vehicular collision for which you are at fault, your liability car insurance will cover any medical bills or property damage for the other driver(s) resulting from the accident. Liability insurance policies are typically cheaper than more comprehensive policies, so keep in mind that this type of insurance will not cover your own injuries and expenses - only those of the other parties. Each state requires a different minimum level of liability insurance for its drivers. Since accidents are often much more expensive than the minimum liability coverage, Acceptance offers a range of affordable insurance options for additional liability protection so you can be sure you're covered in any unexpected situation.
We fooled you, as chances are you thought we’d list the “good student discount,” which usually gives up to 15 percent off for those who maintain a “B” average, but most folks are aware of that. While it’s a bonus that’s good to get, and one we recommend you look into, you can likely save way more by simply doing a car insurance comparison to see who offers the lowest rates. Here’s why: Rates for the exact same coverage vary by hundreds of dollars, depending on which insurer you choose. That’s because each insurance company assesses risk differently and uses its own formula when deciding how much you pay. If you don’t shop around, you won’t save. You can see how much you can save by using our average car insurance rates tool, which shows rates by ZIP code for six age groups and three coverage levels, as well as the highest and  lowest rates fielded from up to six major insurers.
Car insurance will prove a benefit if you ever experience a wreck, vehicle theft or other unpreventable problem on the road. The policy can help pay for such concerns as your own vehicle damage, injuries and related costs. Coverage can also pay for the damage you cause others if you are deemed at-fault in a wreck. With your policy, you can reduce your chances of significant financial losses after an unfortunate accident.

Federal research shows people are driving more --  the average miles driven per year is on the rise --  and more motorists on the road means more accidents. The cost to repair newer model cars with high-tech safety devices and sensor technology is also increasing, as are medical costs for injuries. And don’t forget about the hurricane and hail damage from recent severe weather storms. Insurers are passing on some of these higher expenses to you in the form of higher car insurance rates to recoup their losses.
Regardless of the state you live in, you must have liability auto insurance if you drive. Driving without liability insurance is against the law. There are many other insurance options above and beyond the basic liability policy, but if you're going to drive, you are required to carry a minimum amount of liability protection. Acceptance provides a wide range of affordable liability coverage to suit different drivers' needs, so we have a policy that will keep you covered.
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.
It is essential to be aware that different learner insurance providers will have their own stipulations on who must accompany you as well as the time of day you are allowed to practice on the roads. At MyFirstUK, we make sure to check your requirements carefully. As well as this, we can find cheaper alternatives for those who can be more flexible with their needs in order to get the best deal.

Car insurance will prove a benefit if you ever experience a wreck, vehicle theft or other unpreventable problem on the road. The policy can help pay for such concerns as your own vehicle damage, injuries and related costs. Coverage can also pay for the damage you cause others if you are deemed at-fault in a wreck. With your policy, you can reduce your chances of significant financial losses after an unfortunate accident.
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