Terms of Use 
 

Your "ideal" coverage isn't based on your car's value—it's based on your total financial risk. Use the table below to match your limits to your personal net worth.

Asset Level Recommended Liability Umbrella Needed?
Under $50k 50/100/50 No
$50k – $500k 100/300/100 Optional
$500k+ 250/500/100 Yes ($1M+)

The Umbrella Strategy

For roughly $20–$30 a month, an Umbrella policy provides $1 million in extra protection. It is the single most effective way to protect your home and retirement accounts from a catastrophic legal judgment.

Collision & Deductibles

If your car is worth more than $5,000, keep Collision and Comprehensive coverage. To lower your bill, increase your deductible to $1,000. This switch can reduce your premium significantly, provided you have the cash set aside to cover that amount in an accident.