Whether you’re a first-time driver or an experienced buyer of new and used vehicles, it’s always a good idea to review your car insurance coverage each time you shop around for a new car. Over time, your needs may change, and you want to protect your assets with the right car insurance coverage. David R Johnson Insurance of Indianapolis, IN, is here to help you get the best rate and options on your next insurance policy.

Not sure exactly how much coverage you need on your policy? Talking to an expert is your first course of action, as each situation is unique, but there are general guidelines:

• Comprehensive Coverage: This portion of your policy covers any damage caused by something other than a collision, including fire, theft, or storm damage. If your car is leased, be sure to find out each dealership’s required minimum of coverage.
• Collision Coverage: This is an optional coverage that makes sense for new cars, but isn’t worth it for an older vehicle — especially if you have a high deductible. Talk to an agent to calculate the right amount of collision coverage based on your vehicle’s current value. 
• Liability For Bodily Injury: This coverage protects you if you injure someone with your car. Most experts recommend a bodily injury coverage of $100,000 per person or $300,000 per accident. 
• Liability For Property Damage: This pays in the event you damage someone else’s property with your vehicle, including their vehicle. State minimums vary, but your agent can recommend a personalized rate of coverage for full protection.

To learn more about Indiana insurance laws and get the right car insurance policy for your needs, call David R Johnson Insurance in Indianapolis at (317) 782-8858. He’ll make sure that you have all the coverage you need to avoid costly consequences in the event of an accident. You can also visit the website for additional information.