Anexkahn

If you are already on your family's policy, it doesn't hurt to get a quote from your current agent. Especially if your family has several lines of coverage (home, auto, etc) through them, and they have had you on the auto policy for awhile already, they may go out of their way to give you a competitive rate to keep you as a customer -- at the very least, it's worth the time to ask for a quote probably.

As for coverage levels, that depends on whether you currently own the vehicle outright or not. If a lendor holds the title, then your minimums are spelled out in your contract and you have to adhere to them or the vehicle is subject to reposession. If you own it outright, a good method is to ask yourself if it was hit tomorrow, what would you want to pay to fix it. Personally, once i have paid off a vehicle I keep the legal minimums because if it gets tagged, i'll either live with the damage, fix it myself, or its a good excuse to upgrade to a new vehicle.... that doesn't work for everyone tho, but it is really a matter of how much can you aford to pay after a collision, and then weigh that against the premium.