When deciding which auto liability limits to select on your auto insurance policy, your premium should be secondary. Your primary thought in selecting your liability limits should be protecting your assets and yourself from potential legal liability and avoid exposing yourself to costly lawsuits or judgments. Minimum insurance limits should only be selected if that is truly all you can afford. Once your budget allows, be sure to increase your limits and also consider purchasing an umbrella policy. It is not as expensive as you may think and it could save you during a claim!