What Is The Best Auto Insurance Coverage To Have? 
I like to look at this question a little differently . There are basically three parts to your auto insurance policy . One part covers you if you hurt somebody -LRB- or something -RRB- . A second part covers you and your family if someone hurts you and does n't have any insurance or not enough to reimburse you for your injuries/suffering/lost earnings . A third part covers the car you may be driving should it be damaged . How much coverage would you expect someone to have if they hurt you or a family member ? That is a good guide for how much liability coverage you should consider . Your liability limit for others and uninsured/under-insured motorists limit for you should be consistent . If someone or something damaged your car , would you want to be reimbursed ? If so , your auto insurance should include comprehensive and collision coverage . Older fully paid car ? Still may be worth several thousand dollars and well worth insuring . It 's better to have a higher deductible than no coverage at all . If your insurance coverage meets these tests , this may be the best insurance coverage for you . Then I like to consider insurers who will also provide my homeowner 's / tenant 's coverage through a respected local agent with reasonably competitive premiums . 