The difference between a 25/50 and a 250/500 policy is unreal. Ask. It may be just about 200-300 dollars a year more. In the end you will regret not knowing that. The hardest part of all of this is, the agent will never tell you that. You have to ask for it. The agent does not volunteer it. They are agents of the insurance company first. Especially companies like AAA. They are your protector and the same ones who will loss money? You have to be on drugs to believe that. Good luck!

How do I know? I lost everything with the 25/50 AAA sold me. I was as ignorant as almost 99% of all policy holders. I learned a lot now, but it was too late. I lost everything in the wreck I caused. Were his injuries more than I had in coverage? It does not matter. Juries award tens of thousands. Don't be cheap to save two hundred dollars, especially if you own a home or have a good career.

Do not insure yourself on what you have. Insure yourself on what the other guy has. if you own a home and you paralyze someone's son in a crash and you have 100K coverage? Guess what? You just lost your home. Forget worrying abut pennies. Ask about what 100K, 200K and 500K cost. It will blow your mind. Just a couple of hundred more than your premium you already have.