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Choose Auto Insurance Coverage

This basic auto insurance coverage is advisable for most states in the United States of America.

1.
Choose Bodily Injury/Property Damage coverage of $100,000 / $300,000 / $100,000 or higher. Statistics show that this coverage is enough to cover most accidents. The first $100,000 covers injuries if there is only 1 person in the vehicle. The $300,000 covers injuries if there are 2 or more people in the vehicle. The last $100,000 covers damage to the vehicle of the person you run into.
2.
Comprehensive covers theft, vandalism, fire, hail and glass. The recommended deductible is $500 or higher. This amount keeps the premium lower and most people can afford to pay the $500 deductible. The higher the deductible, the lower the premium.
3.
Collision covers collision with a stationary object or other vehicle. The recommended deductible is $500 or higher as it keeps the premium cost lower and most people can afford $500. The higher the deductible, the lower the premium.
4.
Emergency Road Service is highly recommended due to several benefits at a low cost of $3.50 per 6 months. The coverage provided is: towing to the nearest place of repair within 12 miles or less; 1 hour of labor at the place of the vehicle's breakdown; key lockout; delivery and installation of replacement battery (but not the cost of the battery); and delivery and installation of a new tire (but not the cost of the new tire).
5.
Rental Car Reimbursement provides a car for use in the event of a claim while your damaged vehicle is in the shop for repairs. The recommended choice is $25 per day for up to 2 weeks. Most can rent a decent car to use for $25 per day, and most people need a car for less than 2 weeks.
6.
Uninsured/Underinsured coverage is only offered in some states. This is coverage for Bodily Injuries for the insured and their family if they're hit while in a personal vehicle by another driver with inadequate insurance coverage. Inadequate insurance coverage means that they don't have any auto insurance, or that they only have the State minimums which don't cover the cost of the accident. The State minimums are typically $25,000 for 1 person and $50,000 for 2 or more persons. The recommended coverage is $100,000 for 1 person and $300,000 for 2 or more persons. Statistics show that this is usually enough to cover a serious accident.