A. You can look at this question by breaking down the auto insurance into three coverage parts:
First, the coverage you want to have if you hurt somebody (or something);
Second, the coverage you want to have if someone hurts you and doesn't have any insurance or not enough to reimburse you for your injuries/suffering/lost earnings;
Third, the coverage you want to have to cover your car should it be damaged.
Combine these three parts, you will come up with the optimal auto insurance coverage amount.