There are a number of factors that go into determining the amount of coverage you need:
State requirements: The state you live in has a lot to do with the coverage you’ll need. Most states require liability coverage at a minimum. Your local American Family agent will know what’s required in your neck of the woods.
Vehicle Type: The type of vehicle you drive influences the type of insurance you might consider.
Leased or Financed Vehicles: Insuring a leased or financed vehicle will require you to carry collision and comprehensive coverage. This is how the lender or leasing company protects their investment. Once the vehicle is paid off, you can lower your premiums if you drop either collision or comprehensive coverage.