When consumers go to compare the rates of insurers they should get quotes on different scenarios, most importantly higher limits than what the state may require. Certain states have very low requirements and comparing the price of more protection may take time that motorists may not want to spend, but after all getting quotations is free and it can be worth the while if better coverage is found at an affordable rate.

In a number of states, the requirement for property damage liability is very low such as California which only requires $5,000; if a person has ever been to Beverly Hills or seen the city on TV or in movies they can see that cars in that area can cost well over that amount. If a person were to cause an accident with a vehicle of high value they may find themselves paying for any remaining repair costs that exceed this amount and of course this is just an example; with the price of automobiles nowadays, this could happen in any part of the state. Protecting against a situation like this can be only a matter of getting quotations on higher limits to see if they are affordable.