Which of the following coverages are optional for auto insurance?

[Raul]

I am trying to minimize my auto insurance payment as much as possible. I want to know which of the coverages (See Attachment) are optional.

 

[Allen Trent]

Comp and Collision are the most optional. Granted, without them you wont have a claim paid for damages, but you can recover from that kind of loss. Not having comp when you hit a deer for $5,000 in damages is bad, but you can recover from that

Rental reimbursement is optional

Not having Bodily injury & Medical PIP is something that can bankrupt you for years. You hit & injure someone that makes 100k or more per year could cause a million dollar lawsuit. your Bodily injury coverage is way too low unless you make minimum wage & never will make more than that in your lifetime. Your property damage & uninsured coverage is way too low also if you want to be able to collect when you are injured by someone with crappy insurance like you currently have

 

[fed up]

What is the yr, make, and model? You never want to be penny wise and pound foolish. many insurers have a niche liability rate and when you find the right company with the right niche your premium will be less. Remember that each number in your example has meaning and a policy with the lowest premium may have little value when you need it.

 

[fed up]

I am trying to minimize my auto insurance payment as much as possible. I want to know which of the coverages (See Attachment) are optional.

Where did you go?

 

[Allen Trent]

Where did you go?

Must have cancelled his insurance forum free membership to free up extra money to keep some of those optional coverages

 

[fed up]

You try to help some people and then wonder if they were ever serious with the question

 

[adjusterjack]

I am trying to minimize my auto insurance payment as much as possible.

Sell your car and take public transportation. Then you won't need it at all.