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how much car insurance is enough, really?
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I'm trying to figure out if I'm being overly cautious or just smart about my car insurance. Right now, I've got coverage that's a bit above the state minimums, but not by a ton. A friend of mine was saying it's better to bump it way up - like $100k/$300k for bodily injury and at least $100k for property damage. But honestly, that seems like a lot to me. I mean, I'm not driving a Ferrari or anything (I wish lol), just a regular sedan, and I don't exactly have tons of assets to protect.
On the other hand, accidents happen, you know? And medical bills can get crazy expensive fast. So maybe my friend has a point about going higher just in case something serious happens.
Curious what you guys think - is it worth paying extra each month for the higher coverage limits, or is sticking closer to the minimums usually fine for most people?
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