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What type of coverage is and isn't important on auto insurance policies?

My husband and I live in North Dakota and are buying our first car. We will be going with USAA and are planning on getting bodily injury limits of $100,000/$300,000 and a property damage limit of $100,000. Are there any other types of coverage that we should add or avoid?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Most insurance carriers offer similar
types of car insurance
, but requirements vary from state to state.
The
bodily injury liability
 and
property damage liability
 coverages you selected are well above North Dakota’s liability limits, and you will still be required to add personal injury protection and
uninsured/underinsured motorist coverage
.
If your vehicle is going to be financed, most lenders will also require that you carry
collision coverage
 and
comprehensive coverage
.
Beyond this, anything else offered on your policy can be considered optional. You’ll need to decide what else is important to you on a policy. Speaking with an agent directly can help you decide what other coverage may be essential on your policy. “
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