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sabre007 t1_iuht6wx wrote

Just to add, this is also not the time to slash your coverages if you can afford it. Yes shop arround, but don't go from 100k limits to state minimums. The reason premiums are going up is because costs are going up and people are becoming ever more litigious, and you don't want to become personally on the hook for those higher costs.

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Jak_n_Dax t1_iuimy8c wrote

I’ve always done the $100k/$300k/$50k split.

State minimums will absolutely leave you high and dry in the event you’re at fault in a collision.

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jestler4 t1_iuk1n7v wrote

Look into increasing that bodily injury liability to 300k/500k if you’re able to. It’ll help increase your assets from any potential larger lawsuits. And increase the property damage liability to 100k. Increasing property damage liability should be pretty cheap.

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