Consider your financial or personal situation-to determine appropriate liability limits, which protect you if you are ever sued. Your financial assets and family members who depend on you need protecting, so generally speaking, the more you have to lose, the more protection you will want.
If you can afford higher deductibles, they will lower your premiums.
Review optional types of coverage to evaluate whether or not you may need extra protection
Think about value. The best insurance may not be the cheapest