What Coverage Should I Have For Car Insurance? 
The 1st thing you need to think about is what you can afford for the cost of insurance and also what can you afford to loose id you have inadequate coverage . Each state varies for the amount of liability that you are required to have . In Montana the limits are 25K per person -LRB- medical payment to others -RRB- 50K per accident and 10K for property damage which if you think about it that is not much coverage in the event of a major accident . Then you need to take in the factor of uninsured and underinsured both are fairly inexpensive and well worth the few dollars it is a month here in our state 1 in 3 cars has no insurances your odds of an accident and getting hit by someone with no insurance is high . Laws in most states require you to have the state minimum . I recommend the higher limits then what state requirements are however . You also have a budget in mind It does no good to buy a policy with higher limits if you can not afford the monthly payment . So it really depends on what you can afford to loose and what fits your monthly budget.I recommend talking to a local agent and seeing what they have for rates as a independent agent can compare rates with many carriers and can help you muddle through the confusion . 