How Much Auto Insurance Should I Get? 
That is a great question ! The only problem is that only you can answer it ! This is always a tough one for an insurance agent to answer . Doing so can subject the agent to a potential E&O claim . When I have clients ask that question I respond by saying , `` How large is the claim or accident going to be ? '' I say this because there is no way of knowing what the future holds . My advice is always for them to purchase an amount that they are comfortable with and that they can afford . At the same time , I am happy to show them some data and scenarios of what some other claims have ended up being . There is also the factor of what the clients risk exposure is . If they have a pool or dogs in a populated residential area , they may have a greater exposure than the someone who lives in a rural setting . Again , it really comes down to what the client is comfortable with after sitting down with their agent to determine their risk exposures . 