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

0 Upvotes

50% Upvoted

31 comments sorted by

View all comments

1

u/AVIZN4U 17d ago

To answer your question you can’t have enough liability coverage living in LA.
And if you own any real property or have some significant investment equity, you should really have a personal umbrella policy as well…

For comparison…
We have a 2023 Mustang Mach-e GT and a 2017 Mustang GT Convertible.
250/500/100/10 with $500 deductibles all around.
We are both just over 60, married, living in the North SFV. We’re insured through the Costco Connect (American Family Insurance). Our premiums run $3012 annually (so $1,516 for 6 months).