This is an awesome question. So awesome, in fact, that I wrote an entire book on it (with my publisher now). The short answer is that you need full tort (unrestricted right to get paid for your pain and suffering), comprehensive (pays for damage to your car, even if not caused by a car accident), gap (will pay off your car loan if you owe more for your car than it’s worth), uninsured motorist (will pay for your injuries caused by a driver who didn’t have insurance), underinsured motorist (will pay for your injuries when the other driver doesn’t have enough insurance to fully compensate you), and stacking (multiplies your uninsured and underinsured motorist coverage by the number of cars you have, giving you extra coverage of each). Protect yourself, and get as much coverage as you can.