This question is about car insurance!

[Tresbn00]

I think that insurance coverage really depends upon the driver.  If you are a crazy driver you probably need to carry a little more insurance.  If you are a safe driver you need to analyze your environment.  For instance...if you live in a rural area wher you might see one car every other week or so, I would say you could run with less insurance coverage as opposed to someone who lives in a major metropolitan area that can't go 5 seconds without seeing another car. You should also base your deductible on what you can afford to fix-above and beyond what the insurance company will cover.