liability car insurance: practical ways to save while staying protected

At a rainy four-way stop, a light tap to a BMW made me grateful my property damage liability was solid; the tow truck felt less stressful.

What it covers, what it doesn't

Liability pays others' costs - bodily injury liability and property damage liability - when you're at fault; it won't fix your car. That's why drivers compare liability vs full coverage on newer or financed vehicles.

• Pick limits above state minimum car insurance to shrink worst-case bills.
• For older cars, minimum coverage auto insurance may fit risk tolerance.
• Ask your insurer how much liability insurance do I need for my commute and assets.

Savings moves

1. Shop cheap liability car insurance quotes, add telematics, and bundle home-auto; revisit twice a year as your driving changes...