im at work wrote:
Don't get uninsured motorist insurance if you have health insurance.
Uninsured motorist insurance is good when: an uninsured motorist hits your car and you get injured, and you rack up a ton of medical bills. Then you would make an "uninsured motorist claim" and receive compensation. HOWEVER, if you already have health insurance, then you can just use your health insurance! You cannot use both uninsured motorist insurance and medical insurance at the same time.
Your auto insurance will pay for any damages to you vehicle.
that being said, the savings from getting rid of your uninsured motorist will help bring down your bill.
One thing I would like to mention: you should increase your property liability from $25,000 to something closer to $50,000. How often do you see Teslas, Mercedes, BMW, high end trucks, etc,etc driving around? If you hit them hard, any more than a fender-bender, will result in a "total" damage of their car. The owners of that nice 2020 F-150 Platinum that you just plowed into after making out with ur hot girlfriend will sue ur ass. $50,000 should cover a the majority of the cost of cars on the road now.