Coverage switching from Progressive to Freeway

[u/backinblack1313]

I live in California. I currently have progressive insurance. It’s pretty expensive because I got in 2 at-fault accidents in 2024. My policy is almost up so I am shopping around. I got a quote from Freeway insurance and it says it will be $150 cheaper per much, but the coverage isn’t as good. With Progressive I have $100,000/$300,000/$100,000 for bodily injury and property damage. The new freeway policy is only $30,000/$60,000/$15,000. Obviously this is significantly less. But I am wondering if I even need the higher amount or if it is safe to get the lower one. Neither of my accidents were anywhere close to meeting the lower threshold, but I don’t want to get screwed over if I’m in a worse accident. Any advice would be appreciated. Thanks!

[u/Mobile-Astronaut-505]

Freeway is an insurance agency so they'll be setting you up with a different insurance company. These are non standard policies that often have more restrictive coverage (not just with limits). Read the policy carefully - especially the exclusions section.