This really depends on your definition of "Good". For this discussion, I'll assume you mean low cost. Now, I'll also preface my answer by saying that "low cost" is different than "cheap". I'll never recommend cutting important coverage to save a few dollars. There are ways to help reduce the cost without cutting those coverages.
The important coverages to which I refer are the Bodily Injury, Property Damage, Uninsured and Underinsured Motorist coverages. These could save you from a lifetime of payments or wage garnishments if you're ever sued because of a car accident.
So, that leaves the physical damage coverage(comp and collision) and, possibly, personal injury protection.
Collision: This covers your car from damage because of an accident. There are two types I will define here. Broad Form means that you'll only pay your deductible if you're substantially at fault in an accident. Regular means you pay your deductible either way. As you can probably assume, regular will cost less and, in my opinion, should be what everyone carries.
Comprehensive: Covers your car from damage that is "not a collision"
For these two coverages, increasing your deductible lowers the premium. I usually recommend at least a $500 deductible for collision. For comprehensive, the difference between a $100 and a $500 deductible isn't very much so I usually recommend a $100 deductible.
Personal Injury Protection pays for your medical bills and lost wages if you're hurt in a car accident. If your health insurance will pay primary for a car accident, you can save a little bit of money by having them pay first.
Don't skimp on the liability coverages. They're the smallest cost with the greatest potential for saving your bacon. Getting these coverages right will only cost you a few dollars a month.
Be smart, find an agent you can trust, and take their advice. You'll be happy and save money in the long run.
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The important coverages to which I refer are the Bodily Injury, Property Damage, Uninsured and Underinsured Motorist coverages. These could save you from a lifetime of payments or wage garnishments if you're ever sued because of a car accident.
So, that leaves the physical damage coverage(comp and collision) and, possibly, personal injury protection.
Collision: This covers your car from damage because of an accident. There are two types I will define here. Broad Form means that you'll only pay your deductible if you're substantially at fault in an accident. Regular means you pay your deductible either way. As you can probably assume, regular will cost less and, in my opinion, should be what everyone carries.
Comprehensive: Covers your car from damage that is "not a collision"
For these two coverages, increasing your deductible lowers the premium. I usually recommend at least a $500 deductible for collision. For comprehensive, the difference between a $100 and a $500 deductible isn't very much so I usually recommend a $100 deductible.
Personal Injury Protection pays for your medical bills and lost wages if you're hurt in a car accident. If your health insurance will pay primary for a car accident, you can save a little bit of money by having them pay first.
Don't skimp on the liability coverages. They're the smallest cost with the greatest potential for saving your bacon. Getting these coverages right will only cost you a few dollars a month.
Be smart, find an agent you can trust, and take their advice. You'll be happy and save money in the long run.