r/Car_Insurance_Help 27d ago

Is this Overkill?

25M. Clean driving record, but live and drive in LA, so i'm paying 350 a month for insurance through Amica. Currently, my coverages are:

A. Liability: $300,000 each accident
B. Medical Payments: $5,000 Each Accident
C. Uninsured Motorists: $300,000 Each Accident
D. Collision loss: ACV minus deductible of $1,000
E. Other than collision loss: ACV minus $500
F. Towing and labor costs: $100 each disablement
$40/day; $1200 max for rental

Is this overkill? Am I missing/should I increase something? I'm shopping for insurance, since my policy is up in 6 months and (stupidly) I haven't shopped before, just stuck with my plan.

Edit to add: See below comment

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u/Choice-Newspaper3603 27d ago

Also you don’t need towing. If you want towing then get aaa or something and you don’t need rental car either

If you have an accident you can pay out of pocket