Ahh…that is excellent insight and I’m sure part of what I am seeing. I still don’t know why Sam posted averages that were over twice my amount (over $2700/yr), even factoring in those averages were for Canada - that’s over in the Cali EV thread - Is California being unreasonably optimistic. (Electric Vehicles) - #247 by puzzlegal
We have this coverage for two reasons:
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We decided we needed an umbrella policy and that requires us to max out our auto coverage on the UM/UIM/UPD side (thanks for the acronyms)
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I had a family member severely injured due to an auto. Life flight, lengthy hospital and recovery stays, multiple years of specialty follow-up, and forever changes to their health. Luckily, the driver had an umbrella policy. That was an eye-opening event for us.
And yes, we can cover a higher deductible and decided it was worth it on our Subie. I will ask what that does to our rates lowering it when we go in to add the vehicle.