What Type Of Car Insurance Is Best For Me? 
This is a very vague question given that we do not know who you are , so please forgive these general answers . My analysis always starts with two things , what does your driving history look like and what is your net worth ? Driving History : this will reveal number of years driving , accident/violation history and how much you currently drive . This is important because if you are a very safe driver who has been driving for many years I would recommend a higher deductible -LRB- since it has never been used -RRB- . However , if you have a history of accidents then I would recommend a lower deductible since it will be used more often and higher property damage limits -LRB- in case you damage something other than another vehicle -RRB- . Net Worth : if you have a high net worth then I would recommend a larger bodily/physical injury limit . The reason for this is in case you seriously injure someone you will get sued . If you have lower limits then the insurance company is going to cut you a check and walk away . However , if you are insured for lets say $ 1,000,000 bodily/physical injury , then the insurance company will more than likely step in and work on settling the amount . After these factors have been considered I go over additional coverage -LRB- rental cars , rental reimbursement , coverage forms -RRB- and lastly pricing . I hope this helps . 