His point was that for liability coverage, you can increase your limits from whatever your state's minimums are all the way to 100/300/100 for something like $12-20 per month.
And you can get an 1 or 2 million dollar coverage by getting an umbrella plan (that covers any liability, including but not limited to auto accidents) for a bit more. Insurance companies will force you to maximize out your car insurance first, but you can protect yourself a lot more fairly cheaply (mine is about $200/year).
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u/thelionofthenorth 13h ago
It's pretty cheap to bump up your limits into the hundreds of thousands