It’s Thanksgiving, so what better time to talk turkey. Though the origin of this phrase is a bit muddled, we have a theory: Turkeys speak directly, never mincing their words or saying what they don’t mean, as far as we know. And that’s pretty cool. So in the spirit of the holiday, let’s make like turkeys and talk directly about car insurance coverage, a topic that a lot of people know little about.

Gobble: What is car insurance coverage?

Coverage is what you pay for when you buy a car insurance policy. While coverage types vary from policy to policy, they generally protect you financially from property, liability, and medical expenses.

Gobble gobble: What are car insurance coverage limits?

Each state has minimum coverage limits, designed to protect all drivers on the road. Not only do you need to meet the minimum requirements for your state, we also recommend adding coverage when it’s in your best interests to do so. While a policy with the minimum legal limits may cost a little less, it could also involve a significant financial risk.

If you’re involved in an accident and your expenses exceed your coverage limits, it may be left to you to cover the difference. (And limits can be easy to exceed — imagine a fender-bender with a $74,000 Audi S8.) Additional coverage generally costs only a few dollars more, and can help to minimize your risk on the road.

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Gobble gobble: Try the Coverage Counselor®

Car insurance coverage? Sure it can be complicated. That’s why we don’t recommend going it alone. If you prefer doing things online and you have a few minutes, try our online Coverage Counselor®. Just answer a handful of questions for a personalized overview of recommended coverage limits and optional coverages.

Of course, if you’d rather talk to someone, you can call 1-800-ESURANCE (1-800-378-7262) to speak with a real live expert anytime. And when you get a quote, you can adjust your coverage limits and options to see how that affects your premium.

Selecting the optimal car insurance coverage for your needs can be tricky, but we’re here to help, even during the holidays. Give us a call or go online for a personalized rundown of the coverages that will protect you (and your wallet) the most. When you’d rather talk turkey than bull, our experts are standing by.

Related resources

Car insurance glossary (now with less jargon!)
Car insurance tips in your state

Insurance 101

about Ryan

During Ryan's tenure at Esurance, he headed up the online copy team, dedicating the majority of his time to improving the company’s (super gigantic) website. His blogging chops date all the way back to 2010, a mystical time when phones sometimes flipped open and his dog wasn’t even born yet.