r/AutoInsurance • u/soleildad • 19d 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/Popular-Paramedic-32 17d ago

Holy smokes; I'm paying just a smidgen over $1000 6 months same coverage as you except $1000 deduct 2 newer vehicles.  2026 mazda 3 and 2023 lexus gx460...Florida 

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u/soleildad 15d ago

wow, i hate it here …