Full coverage with $500 collision and $0 comp. If hail hits, it’s a comp claim and does not affect your rates. I also over insure, do at least 100/300/100 in CO. I have a 21 year old beater/commuter that I have full insurance on. I even drove it to a neighboring business that has a garage 5 minutes before the hail started. I know it sucks to pay a lot for insurance but when you really do need it, it will payoff.