From Insurance Lounge

The kind and amount of coverage you need depends on your current life situation. A good way to make these decisions is to start with your goals. The list below is a good place to start:

Collision – Protect your car against damage caused by a collision with another car
Comprehensive – Protect your car against damage caused by hitting a tree, animal or other events like theft or fire
Uninsured Motorist – Cover repair or medical bills for an accident caused by an uninsured driver
Medical & Personal Injury – Cover medical bills if you or your passengers are seriously hurt in an accident
Rental Reimbursement – Cover cost of a rental car if your car is damaged
Loan / Lease Payoff – Pay off your loan / lease if your vehicle is declared a total loss or is stolen