Marshall & Sterling Insurance is cautioning motor vehicle owners not to skimp when they buy automobile liability insurance, warning motorists about the potentially high costs they could suffer if they are inadequately insured for liability claims or lawsuits.

In the current difficult economic climate, car owners may be tempted to buy insurance from providers who advertise "discounted" or ultra low-cost coverage. Often, these providers’ policies provide only the bare minimum amounts of liability insurance required by state law. Buying such policies may be a mistake, leaving some drivers at increased risk in the event of an accident.