I know insurance is different depending on the part of the country and lots of other things I don't even care to know!!! I have been with Farmers Insurance of Columbus, Ohio for a number of years. No accidents. My coverage is Bod Inj. 100,000 ea pers /300,000 ea occur/50,000 prop damage and UMC 100/300 plus 200 ded comp and 200 ded collision.
I pay $ 221.40 per year (12 months) here in s/w Ohio just outside Cincinnati. Maybe I do not have enough insurance! So far I have not needed it. (knock on wood)
You know I'm always afraid that I won't have enough because stuff is getting so expensive nowadays. What if you cause a tractor trailer to wreck? Which one of those figures will cover that? Is it the $50,000 property damage. Sorry to be so ignorant.