I have always gone with $100,000.00/$300,000.00/$100,000.00 for Liability, and $100,000.00/$300,000.00 Uninsured/Underinsured Motorist. My Comprehensive and Collision deductibles are $100.
I was sent a renewal offer from my insurance company (increased rates with no claims and just under 1,000 miles driven since I took possession of the car on 12/26/18). I was curious about what the minimum amount for liability coverage was, so I sent Ford a message. Their response was to review my contract. I do not know how I missed it, but my agreement states $15,000.00/$30,000.00/$5,000.00 - which, I am presuming, cannot be correct. My BMW and Mercedes minimums were $100,000.00/$300,000.00/$50,000.00. I searched Google and could not find a definitive answer.
Does anyone know the answer? I take the better safe than sorry approach and insure more than I need to. Still, while I can find other manufacturers minimums for California, I cannot locate Ford’s (and their reply was not of much assistance since I know the contract coverage amounts have to be a mistake). Nevertheless, with as little as I drive along with my driving record, I would consider decreasing coverage as an option. There is no sense in paying more. I would never go as low as 15/30/5 even if legally allowed, but 100/300/100 might be overkill, and increasing my Collision to $500 makes more sense.
