u/CricketGuy15

I’m currently planning on:

• $1000 comprehensive deductible
• $1000 collision deductible

Trying to keep the premium reasonable since I’m a student and don’t have major savings/assets yet.

I’m mainly confused about:

• BI (bodily injury) limits
• PD (property damage) limits
• UM/UIM bodily injury

Right now I’m debating between:

• 25k/50k BI vs 50k/100k BI or higher
• 25k PD vs 50k PD or higher
• Whether UM/UIM is really worth it in Colorado

I already have health insurance with a decent out-of-pocket max, and I already have collision coverage.

For people in Denver/Colorado:

• What limits do you realistically recommend for someone trying to balance cost vs protection?
• Is 25k PD way too risky nowadays?
• Do most people actually carry UM/UIM here?

Would appreciate real-world experiences and what you personally chose.