If you have shopped for auto insurance you know how confusing it can be to select the right coverage limits. As a general rule of thumb, the less money you have, the more coverage you need. Most people think it is very expensive to high liability limits but it is actually very inexpensive. In fact, several insurance companies surcharge policies with low liability limits such as 25/50 or 50/100 so if you increase your limits you may actually save money. Another reason to carry higher liability limits is to ensure you have the best claim adjuster available when you have a claim. Insurance companies do not want to pay anymore than they have to so they assign senior adjusters to claims where there is the potential for a large payout. If your policy has coverage limits up to $250,000 you are going to get a much better adjuster than someone who only has coverage up to $25,000.