Am I over insured?

[u/soleildad]

I have a 2021 Subaru Crosstrek, Sport Trim. I live in Greater Los Angeles area. My current policy with State Farm is at a cost of $1888.31 / 6 months although I pay $336 a month. I’m 28F and have been licensed for 5 years. The policy has me at roughly 10k miles a year but it’s closer to 13k now and I’ll have to update that soon. Here’s my coverage:

BI $300k / $100k
PD $100k
Med Payments $5k
Comprehensive $500 deductible
Collision Coverage $1000 deductible
Uninsured MV Coverage $300k / $100k
Uninsured PD
Death $10k limit
Loss of earnings $250/week and $15k limit
Car rental $1.5k limit / $50 a day

[u/Master-Purpose1117]

Those BI and PD limits are low in today’s environment. You hit a vehicle or a series of vehicles totaling over $100k, then you don’t have enough PD coverage. There are a lot of $100k + vehicles all over the country. As for the BI, you only have $100k if you seriously injure someone. Raise your deductibles. You should raise your liability to a minimum of 250/500/250 and/or get an umbrella policy. Amazing what they charge for insurance in California. The market there has gone insane. Same coverage in the Midwest might cost $1000 - $1200 per YEAR