Umbrella coverage offers more protection of your families assets in case of a law suit. It is recommended for higher income people. Comprehensive is required. Collision will fix/replace your car when you are at fault. It might not be worth it for your older car but you would be left with nothing after and accident.

I'll be driving a 2012 clunker of an impala. That car has a check engine light that won't turn off. But it passed the state inspection but not emissions yet. When I'm more comfortable driving I'll get a newer car.

My family has geico and they won't lower the rate. Progressive has an offer that has a higher dollar coverage and is half of geico. I'm a new driver and had my license 2 yrs now. I was told Erie does not accept drivers with less than 3 yrs driving exp. So didn't apply there. I'm not on the geico policy but I'll be on progressive. I'll be driving routinely for the first time. Should I get Umbrella insurance or comprehensive or collision?