Driving without the right car insurance is like walking a tightrope without a safety net. You never know when you might need it – and when you do, you'll be grateful for having enough coverage.

When it comes to car insurance, the numbers can be overwhelming. 50/100/50, 100/300/100, 250/500/100... What do they mean? And more importantly, how do you know if you have enough coverage?

Let's break it down. Picture this: you're in an accident, and the damage exceeds your insurance limits. If that happens, you're on the hook to foot the bill. Your car, your medical bills, lost wages – everything could be at stake. That's why having the right car insurance is crucial. It's your safety net in a world where accidents happen when you least expect them.

So, how much car insurance do you really need? Here are eight questions to help you figure it out:

#1 - Know Your State's Requirements

Start by checking the minimum car insurance required in your state. But remember, these are just the basics. Most states recommend having more coverage. After all, being underinsured is like inviting financial disaster. You're smarter than that, right?

#2 - Who's Behind the Wheel?

Consider who's driving your car. Their driving record, experience, and age should influence your coverage choices. The higher the risk, the more coverage you should have.

#3 - How Much Do You Drive?

The more miles you put on your car, the higher your risk of accidents. If you have a long daily commute, consider increasing your coverage.

#4 - What's the Weather Like?

Bad weather can make driving a nightmare. If you live in an area prone to severe weather conditions, extra insurance can be a lifesaver.

#5 - What Are Your Assets Worth?

Think about what you stand to lose if you're underinsured. Your house, savings, and other assets could be at risk. Better safe than sorry.

#6 - Do You Have Health Insurance?

Depending on your state and health insurance coverage, you may not need certain types of car insurance. But uninsured motorist coverage is a wise investment, considering the number of uninsured drivers out there.

#7 - How Valuable is Your Car?

If your car is newer or more valuable, comprehensive coverage is a smart choice. Don't risk losing your car to unforeseen events without proper coverage.

#8 - Do You Rent Cars?

If you frequently rent cars, make sure you have the right coverage to protect yourself in any situation.

Our experts recommend 100/300/100 coverage for most drivers – it's a solid choice that provides ample protection for various scenarios. And don't worry, it's not as expensive as you might think. After all, a little peace of mind goes a long way.

Remember, having the right car insurance is more than just a legal requirement – it's your safety net, your shield against the unexpected. So don't wait until it's too late. Get the coverage you need and drive with confidence. With Covered, you're not just protected – you're prepared for whatever the road throws your way. Because when it comes to insurance, it's simple: We're Covered. And so are you.