Advice from us:

Get Step 1 and 2 right and you will have 95% the equation right.

How to know what you should choose...

• Step 1: Your Liability
• Step 2: Your Medical
• Step 3: Comp & Collision 
• Step 4: Special Endorsements

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Step 1: Your Liability

(coverage in case you hurt someone or their "thing")

What Are My Options?
​
$250,000 per person, $500,000 per occurrence
$500,000 per person, $500,000 per occurrence
$750,000 per person, $750,000 per occurrence
$1M per person, $1M per occurrence

More available with an Umbrella policy

What Limit Should You Have?

We encourage you add up all your assets and times that by 2. Round up to the next amount ($250,000, %500,000, $750,000 or $1M) - you should have no less than that amount.

If your assets multiplied by 2 equals more than $1M, we encourage you have an umbrella policy (we do in most cases, because they are either free or less than $50 added cost.)

"Assets x 2 = Limit"

Step 2: Your Medical

(coverage in case you or a family member is hurt in an auto accident)

What Are My Options?

Option 1: Unlimited
Option 2: $500,000
Option 3: $250,000
Option 4: $0 coverage for those opting out, $250,000 for rest
Option 5: $50,000 for those with Medicaid
Option 6: $0 for those with Medicare

What Limit Should I Have?

Option 1, Unlimited. 

There are so many things a health policy doesn't cover, not to mention, if the policy ends, you start paying the rest out of pocket.

You can't lose with Unlimited

Step 3: Comp and Collision Coverage

What Are My Options?

Comp:

• $0 deductible
• $50 deductible
• $100 deductible
• $250 deductible
• $500 deductible
• $1000 deductible

*Full Glass ($0 deductible for just windshields) can be added to any of the above

Collision:

Option 1: 

• Regular/Standard Collision
• Broad Collision

Regular always requires. a deductible be paid, Broad waives the deductible if you are not at fault

Option 2:

• ​$100 deductible
• $250 deductible
• $500 deductible
• $1000 deductible

What Should I Pick?

​Don't pick a deductible that is more than you can come up with whenever an accident may occur.

​$500 comp, $500 Regular collision is a good medium ground. The deductibles save you a bit of money being slightly higher, but it's also not a crazy amount out of pocket when a loss happens. Regular collision saves you $100 per car, per year for every year you don't have an at-fault loss. 

How much can you pay at a moments notice?

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