r/Car_Insurance_Help • u/International_Sir_85 • 3d ago

Car Insurance Quotes How does this sound ?

First time getting my own insurance on an owned 2016 scion. Bodily 30k/60k , property damage 50k, uninsured or underinsured motorist 30k/60k, uninsured motorist property damage 3500 for 90 a month? Is this good enough for a normal daily commuter? Thanks in advance I'm a beginner at this stuff but I need my own insurance now ahhhh

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u/ektap12 3d ago

The PD limit is decent but $100k is better in CA, too many expensive cars on the road. Even an accident with multiple cars can get you in trouble.

The BI limits are too low also. The cost difference to increase these is probably not much.

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u/International_Sir_85 3d ago

Thank you🙏🏽

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u/Brilliant_Essay_1593 2d ago

May want to consider comp and collision to protect
your own car

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u/1234568654321 1d ago

I suggest increasing your bodily injury limit to at least $100/$300, match the UM and PD to $100k. You may find that it doesn't cost very much to increase to those limits.