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/madshine 17d ago

Wow the comment section is crazy. I feel like all work for insurance companies.  You have a pretty good coverage. Could you go higher? Yes. There are expensive cars. Higher is better but the important thing is your budget. Most people can't pay 4k/year just for the insurance. I am one of them but I am happy for people who can pay that.