Liability Sample Quote: Rating Factors

Coverages and Other Factors
Coverage Type: Liability Only
Number of Vehicles on Policy: 1
Year/Make/Model: 1999 Suzuki Grand
Ownership Status: Owned/Paid Off
Roadside/Towing: No
Rental Coverage: No

More Auto Coverage Details
Insurance Company: Mendota/Advantage Auto Insurance
Liability Limits: $25,000 each person $50,000 each accident $25,000 Property Damage
Uninsured Motorist: Rejected
Underinsured Motorist: Rejected
Medical Payments: Rejected
Comprehensive/Collison Deductible: Not Added

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Liability Sample Quote: Insurance Rate Factors

Discounts Applied to this Liability Sample Quote:

Additional Notes: This person has an excellent driving record!

Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real liability sample quote.

What is Liability Only Insurance?

Liability-only insurance is a type of car insurance coverage that provides protection to other people and their property in case you cause an accident while driving your car.

Unlike full coverage insurance, which also covers damage to your own vehicle, liability-only insurance only covers the costs of damages and injuries to other drivers, passengers, and property that you may be liable for.

Liability-only insurance typically includes two types of coverage:

1. Bodily injury liability: This coverage pays for medical expenses, lost wages, and other damages related to injuries sustained by other people in an accident you caused.
2. Property damage liability: This coverage pays for repairs or replacement of another person’s vehicle or property that was damaged in an accident you caused.

Liability-only insurance is typically less expensive than full coverage insurance because it provides less coverage. However, it’s important to keep in mind that if you cause an accident and don’t have enough coverage to pay for the damages, you could be personally liable for the remaining costs. It’s important to choose a liability coverage limit that will adequately protect you in case of an accident.

How much extra will I pay on car insurance if I have multiple violations?

If you have multiple violations on your driving record, you can expect to pay significantly more for car insurance than someone with a clean driving record. The exact amount you’ll pay will depend on a variety of factors, such as the type of violations, how recently they occurred, and your insurance company’s policies.

For example, a minor traffic violation, such as a speeding ticket, may only result in a small increase in your car insurance rates, while a more serious violation, such as a DUI or reckless driving charge, could result in a much larger increase or even a cancellation of your policy.

It’s important to note that different insurance companies have different policies when it comes to determining rates for drivers with violations on their record. To get an accurate idea of how much your car insurance rates will increase, it’s best to speak directly with your insurance provider.