How To Choose Auto Insurance Coverage Limits? 
This is the most important question a person can ask about auto insurance . Your liability limits are critical . The rule of thumb is to estimate your net worth and add two years of income . The problem is that a claim could easily exceed that . A recent accident resulted in almost a $ 1 million settlement . It is doubtful that person had that much insurance . That much insurance is , however , available and not very expensive . In combination with an umbrella you could have in excess of $ 2 million in liability coverage . When selecting uninsured motorist limits you need to select limits that reflect how important those riding inside your car are . You may well want to match your uninsured motorist limit to your bodily injury limits . When selecting the deductibles for the comprehensive and collision insurance you will find that the differences in price are not great . I recommend taking a $ 1000 deductible for both comprehensive and collision . 