car insurance help

Hi folks,

I was looking at changing car insurance a few months ago and found a really useful thread here about relevant considerations in deciding on coverage amounts, that now I can't find for the life of me. So I'll pose this question: for those with insight and experience into the necessities of car insurance, what are the coverage amounts (whether dollar-specific or percentages) or other factors that I should be considering? 

I am the sole owner of a financed 2018 Prius with low annual mileage (approx 6k/yr) for which I'm that main driver but that  my sweetie drives with myself as passenger probably every couple of weeks.  I don't currently need to insure my kid, but they'll be turning 16 in 6 months, so that will become a consideration soon.


Many thanks.

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