Auto insurance requirements vary by state. Minimum liability limits are the legal floor, not a recommendation for every household.
How much coverage to consider depends on assets, vehicles, drivers, commuting, and whether umbrella insurance is part of the conversation. A lower premium can look attractive until a claim exceeds the limits.
Deductibles, uninsured motorist coverage, and optional protections such as rental or gap coverage should be compared together, not in isolation.
Coverivo can help organize these questions. A licensed professional and the insurance company still determine what can be offered and bound.