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If you can't afford to get the full package on auto insurance coverage, it is better to take out $300,00. 00 to $500,000. 00 in personal injury liability and go a little less on property damage. Insurance coverage for property damage from an accident won't be as expensive as personal injury can be. So when you're purchasing coverage for your auto, keep in mind the extra money you pay now could pay off big time in the future. Another auto insurance coverage that you will find extremely important is uninsured and under insured policies. This type of coverage will protect you from those that are driving illegally without auto accident and insurance settlement insurance. This is extremely important if an insurance settlement is paid out. It is like buying more protection for yourself, as the other driver that hits you without coverage will have nothing to help you over your accident. semi commercial secured loan low interest student loans kansas student loan garnishment balloon payment loan calculator