# How do you decide on car insurance coverage?

**URL:** <https://boards.straightdope.com/t/how-do-you-decide-on-car-insurance-coverage/661362>\
**Category:** In My Humble Opinion\
**Created:** [June 19, 2013, 2:35pm UTC](https://boards.straightdope.com/t/how-do-you-decide-on-car-insurance-coverage/661362 "2013-06-19T14:35:52Z")\
**Posts on this page:** 1\
**Page:** 2

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**Author:** ![RandMcnally](https://avatars.discourse-cdn.com/v4/letter/r/b782af/32.png) [@RandMcnally](https://boards.straightdope.com/u/RandMcnally)\
**Post date:** [June 22, 2013, 12:42am UTC](https://boards.straightdope.com/t/how-do-you-decide-on-car-insurance-coverage/661362/21 "2013-06-22T00:42:01Z")

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I work in insurance and I concur with everything _The Great Sun Jester_ said.

In my policy with USAA the most expensive thing is Comp and Collision, but it’s worth it because I know I couldn’t replace my car anytime soon.

California’s state minimums are only 15/30/5, and as you can imagine, $5000 isn’t going to do much good if you hit a new car, or multiple, so one should really have under-insured motorist insurance.

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