theres so much to choose from...25000/50000 or 50000/100000... whats best?

You need to talk to your agent. There are usually at least 10 different coverage, with lots of options, you've listed TWO.

I tell people they need to insure for three year's wages plus net worth.

There more the better (safer)
Depends on what you can afford.

25,000 50,000

Lets take this

25,0000 property -

You hit someones car - Most cars are close to 25,000 and up

50,000 medical - one serious injury will cost over $50,000

so it all goes to what risk you want to take and how much
premium you can afford.

anything over those limits you are personaly responsible for.

first one but who know im 12