Predicting the future is impossible. You can not tell if and when you might become involved in an accident, or how much damage might result. When choosing limits of coverage, you should consider an amount that will protect you from the loss of your assets. If you own a home and have a good income, you should probably buy higher limits than the minimum limits required by law. Also consider that your Liability coverage limits have to take into account both bodily injury and property damage of others.
Vehicles now cost many thousands of dollars and medical costs have soared recently.
Lower rates are generally experienced by those who enjoy good driving records. You might reduce your insurance costs by choosing higher deductibles for Comprehensive and Collision coverage. As with any commodity, you should comparison shop. Insurance rates vary from company to company, whether they are agent represented or directly written by the Company. Check your local telephone directory and obtain several quotations in writing before selecting an insurer for your automobile.