[Tobeit]

Unless you guys have left off some zero's you are woefully under covered, IMO. I can see from second hand experience (cousin in accident with me in the car) that you can easily exceed your couple hundred thousand coverage in an instant. Especially if there is a major at fault incident...you would be financially wiped out. On the other hand, if your personal assets don't amount to much (you don't own a home, struggle from paycheck to paycheck, violins are wailing), you don't have a whole lot for them to bother about, so the minimum requirements might actually suit you, not to mention save you some much-needed cash. As for the deductible, I look at it another way. $500 isn't a major hit for me so I would sooner pay $500 or less out of pocket than risk a long term (multi-year) rise in premium. It is very easy to have dents/dings that exceed $250 but stay under $500 and I won't claim those.

$250M/Person Bodily Injury, $500M/Accident
$100M/Accident Property Damage

Same for Uninsured/Underinsured Motorists

$500 deductible - Collision

$500 Deductible - Other than Collision

Road Service, Transportation coverage etc...

$890/year premium covers myself and my wife.

(Wife had a couple incidents)

Your coverage is $250000/$500000/$100000 - not millions (M stands for x1000)...nobody is insured beyond $1000000 with a normal insurance company. They do not offer that to my knowledge - only for specials like a few million bucks for some celebrity dancer/singer legs ...so, they did not left some zero's off