I love how he’s using a scare tactic and assuring you get the insurance that is double the monthly payment in hopes you drive with reassurance. Fuck whomever invented car insurance you’re a fucking scam.

There are a few ways of looking at how much insurance you should buy, but the essential reason should be to protect what you own and have accumulated. If you have insufficient automobile insurance limits, but you own a home and/or have other assets and are responsible for injuries or damages in an accident, any self respecting lawyer is going to request an examination of assets, so be prepared to potentially lose it all for your negligent driving conduct. 

However if you have nothing and purchase the mandatory minimum limits that each state requires, you will be viewed as judgment proof by the plaintiff's bar, and the brunt of costs, medical and non-economic, will be borne by the victims and any insurance they may have access to

– James from 4autoinsurancequote.com.

It costs me $100 per year more to have 100/300/100 vs state minimum. Not bad. Just one day in the hospital can cost more than 10k per person and the vehicle you hit may be worth a lot more than 10k. I think having more coverage is good advice.

In my opinion I think that lawyers want everyone to have as much insurance as possible so they can sue everybody and get there cut. My opinion is stick to the minimum coverage and save your money and let the blood sucking ambulance chasing attorneys go pound sound!