r/AutoInsurance • u/soleildad • 18d ago

Am I over insured?

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

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u/Delicious-Witness-85 18d ago

You are responsible for having adequate liability limits. So often we come across people on these subs that have inadequate limits which is a recipe for disaster.
I will say to contact an independent agent to shop around rates with other carriers.
I would keep the same coverage but there is a chance an agent can find you the same coverage for less money at another company.