Mobile website

How Much Auto Insurance Do I Need? from Gartman Insurance

Reliable insurance for you and your family

How Much Auto Insurance is Enough

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.


Greater Cincinnati Auto Insurance Needs

Every person is unique. To determine your car insurance needs, consider:

  • Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a personal umbrella policy can provide the extra liability protection you need.
  • Collision covers damage to your car from an accident. Gartman Insurance can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
  • Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision.
  • Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.

Keep in mind that KY requires certain minimum levels of coverage. The right KY car insurance coverage for you is unique - talk to us today to find out how to get the best price and value on Greater Cincinnati auto insurance for you.

 insurance in Greater Cincinnati

Get started now on a free, no-obligation

Auto Insurance Quote

Speaking of auto insurance… See the latest from our blog Mar 3

Teen Driving Safety – Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic...   more »

Home  |  About  |  Contact  |  Service  |  Privacy  |  Disclaimer  |  Search

© 2017 Gartman Insurance

495 Erlanger Rd Ste 104
Erlanger, Kentucky 41018

Kentucky License # 733952
Ohio License # 41834
Indiana License # 751267