Kaylee is a single 32-year-old female living in a rural town in Wisconsin. She has owned the same car since she was 16, with two accidents, and been insured through the same agency. It is time for the yearly evaluation of her policy. The following is a list of the types of coverage Kaylee may include on her insurance policy:

• Bodily Injury Liability
• Property Damage Liability
• Collision
• Comprehensive
• Medical Coverage
• Uninsured/Underinsured Motorist
• Rental Reimbursement
• GAP Insurance

Part I:Explain, using complete sentences, what types of coverage you would advise Kaylee to purchase and which she should not. (Assume she can afford all of them.) What was the reasoning behind your advice?

Part II:What personal factors will cause Kaylee's insurance rate to be higher than her counterparts?

Part III:What personal factors will allow Kaylee to receive a discount?