Personal Finance (Not Investing) • Need help choosing car insurance coverages

I can change car insurance companies and get better coverage for less. I'm not sure what coverages to choose since I had an agent help me when I first got my license and kept the same coverage for 20 years. I live in Florida and I'm the only person who drives the vehicle. Any help is appreciated, thank you. These are the following options that I can choose from:

1) Bodily Injury Liability (BI):
I decline
10k/20k
25k/50k
50k/100k
100k/300k
300k/300k
250k/500k

2) Property Damage Liability (PD):
10k
25k
50k
100k

3) Basic PIP Coverage:
PIP Insured Only
PIP Insured and Relative
PIP Insured with Excluded Work Loss
PIP Insured and Relative with Excluded Work Loss

4) PIP Insured Only Selection:
10k/ No deductible
10k/ $250 deductible
10k/ $500 deductible
10k/ 1k deductible

5) Additional PIP Coverage
Additional PIP Insured
Additional PIP Insured and Relative

6) Additional PIP Insured Selection
I decline
20% reasonable medical/25% of loss of earnings

7) Medical Payments (MED)
I decline
1k
5k
10k

8) Uninsured Motorist Coverage
Stacked
Non-stacked

9) Stacked Selection
I decline
10k/20k
25k/50k
50k/100k
100k/300k
300k/300k
250k/500k

10) Upgraded Accident Forgiveness
I decline
I accept

11) Comprehensive (Excluding Collision) 2022 Toyota Corolla
$50 deductible
$100 deductible
$250 deductible
1k deductible
2.5k deductible
I decline

12) Collision (COLL)
$50 deductible
$100 deductible
$250 deductible
1k deductible
2.5k deductible
I decline

13) Emergency Road Service (I have AAA)
I accept this coverage
I decline

14) Rental Reimbursement
I decline
$35/ day, $1,050 max per claim
$50/ day, $1,500 max per claim
$75/ day, $2,250 max per claim

Statistics: Posted by ralphboy — Wed May 29, 2024 10:50 am — Replies 2 — Views 239

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