You have just purchased a car for $30,000 and need to decide how you want to arrange your own automobile insurance. If you had the same two coverage options that you just explored for Jeff, which one would you select and why?

25/50/25 coverage with a $500 deductible for collision and $100 deductible for comprehensive

OR

50/100/50 coverage with a $500 deductible for collision and $100 deductible for comprehensive