This is a very vague question given that we do not know who you are, so please forgive these general answers.
My analysis always starts with two things, what does your driving history look like and what is your net worth?
Driving History: this will reveal number of years driving, accident/violation history and how much you currently drive. This is important because if you are a very safe driver who has been driving for many years I would recommend a higher deductible (since it has never been used). However, if you have a history of accidents then I would recommend a lower deductible since it will be used more often and higher property damage limits (in case you damage something other than another vehicle).
Net Worth: if you have a high net worth then I would recommend a larger bodily/physical injury limit. The reason for this is in case you seriously injure someone you will get sued. If you have lower limits then the insurance company is going to cut you a check and walk away. However, if you are insured for lets say $1,000,000 bodily/physical injury, then the insurance company will more than likely step in and work on settling the amount.
After these factors have been considered I go over additional coverage (rental cars, rental reimbursement, coverage forms) and lastly pricing.
Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
All insurance auto policies are the same they all have liability which is damage to other. Then you have optional coverage of un insured and under insured and medical pay then of course the option of "Full" coverage which really is not the best choice of words for coverage but that is coverage that repairs your auto in the even of a loss minus the deductible.
The best coverage would be to have higher limits and full coverage. How ever you budget needs to thought about also. If you are purchasing all the coverage and can't afford the higher deductible then full coverage may not be the best option for you. Before you ever purchase a car or insurance shop around call a local agent and discuss what options you have. Many agencies demand that you have certain limits which is recommended to have the higher limits but it is pointless if you can't afford the higher limits because if it means eating or insurance well you going to choose food.
Talk to an agent who will listen to your concerns and find you the most affordable rate and coverage that your desire. Online quotes can sometime be lower but the service sometimes is not as well as an agent example at our agency you can reach us 24/7 we never want you to ever have to call a 800 number and talk to a stranger.
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My analysis always starts with two things, what does your driving history look like and what is your net worth?
Driving History: this will reveal number of years driving, accident/violation history and how much you currently drive. This is important because if you are a very safe driver who has been driving for many years I would recommend a higher deductible (since it has never been used). However, if you have a history of accidents then I would recommend a lower deductible since it will be used more often and higher property damage limits (in case you damage something other than another vehicle).
Net Worth: if you have a high net worth then I would recommend a larger bodily/physical injury limit. The reason for this is in case you seriously injure someone you will get sued. If you have lower limits then the insurance company is going to cut you a check and walk away. However, if you are insured for lets say $1,000,000 bodily/physical injury, then the insurance company will more than likely step in and work on settling the amount.
After these factors have been considered I go over additional coverage (rental cars, rental reimbursement, coverage forms) and lastly pricing.
I hope this helps.
The best coverage would be to have higher limits and full coverage. How ever you budget needs to thought about also. If you are purchasing all the coverage and can't afford the higher deductible then full coverage may not be the best option for you. Before you ever purchase a car or insurance shop around call a local agent and discuss what options you have. Many agencies demand that you have certain limits which is recommended to have the higher limits but it is pointless if you can't afford the higher limits because if it means eating or insurance well you going to choose food.
Talk to an agent who will listen to your concerns and find you the most affordable rate and coverage that your desire. Online quotes can sometime be lower but the service sometimes is not as well as an agent example at our agency you can reach us 24/7 we never want you to ever have to call a 800 number and talk to a stranger.