Services
PriceProtect™
DriveShield™
GarageGuard™
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Home Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Recent Studies
Comprehensive Data Reports
Reviews
About
FAQ
MenuIcon
BACK

Is collision, comprehensive, MedPay, high-limit liability, and uninsured motorist too much coverage if I only make $2,500 a month?

I currently drive a 2014 RAV4 worth about $15,000. Is getting full coverage plus MedPay, uninsured motorist, and high-limit liability too much coverage?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Generally speaking, you should buy whatever coverage makes you feel safe and secure, as well as however much you can comfortably afford.
That said, you seem to have a ton of coverage on your car. What you might want to look at is an umbrella policy for your
car insurance
.
An umbrella policy is an addition to your insurance that comes into effect only when your coverage limits have been reached—in this case for bodily injury and property damage. This will protect you if you hit someone else and can’t afford to pay out of pocket.
Whether you decide to keep your current coverage or switch things up, it’s worth your while to shop around for more affordable rates. The free
Jerry
 app can provide you with competitive quotes in under a minute.”
Car Insurance
View full answer 
Jerry user testimonial avatar
rating primary
“My experience with Jerry has been absolutely incredible. It took my car insurance from about $400/month to about $80. The entire experience is seamless.” - Gregory R.
Lower my car insurance too
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Find insurance savings

You Might Also Be Interested

card cover

Collision Insurance: What Is It and Do You Need It?

Collision coverage pays if your car is damaged by hitting another vehicle or object. It’s typically sold as part of full coverage policies, which average $165 a month.
avatar
Amy Bobinger
card cover

Liability Insurance vs. Full Coverage

Liability insurance only pays for damages or injuries you cause to others. Full coverage costs about twice as much, but it protects your car too.
avatar
Sarah Gray
card cover

Are You Paying Too Much For Car Insurance?

The average cost of full auto coverage is $2,264 per year, but the only way to know if you’re overpaying is to compare rates from multiple providers.
avatar
Maria Cruz

Read Advice From Car Experts At Jerry

card cover

How To Reset the Anti-Theft System On a Ford Mustang

Reset the anti-theft system in your Ford Mustang by letting your vehicle recognize your programmed and coded transmitter key.
avatar
Abbey Orzech
card cover

How To Reset the Anti-Theft System on a Ford Focus

To reset the Ford Focus anti-theft system, you’ll have to get your car to properly detect your coded key. Click here for how!
avatar
Macy Fouse
card cover

How To Reset the Anti-Theft System On a Dodge Ram

To reset the Dodge Ram anti-theft system, you’ll need to perform a reset procedure that involves turning and truck on and off three times.
avatar
Jason Tushinski

What Others Are Asking

Does a 2006 Honda Accord have Bluetooth?
I just got a used car, and I’d like to connect its Bluetooth to my iPhone, but I can’t figure out how to do it or if I’m even able to. Does a 2006 Honda Accord have Bluetooth?
avatar
Mary Alice Morris
Where is the 1995 Jeep Cherokee’s OBD port location?
My sister and I just inherited an old Jeep, and we’re going to do some work on it ourselves. It's in rough (but functioning) shape, so I want to look into some trouble codes. Where is the OBD port located on a 1995 Jeep Cherokee?
avatar
Shannon Fitzgerald
What’s the best year for a used Subaru Crosstrek?
I’m moving to upstate New York, and I’ve had several people there tell me about Subarus and how great they are in the snow. I’m looking for a used one as a winter car, and to occasionally take camping. What’s the best year for a used Subaru Crosstrek?
avatar
Matt Terzi
Browse All Questions

Browse More Content

Car Repair Resources

Insurance for Your Car

Insurance in Your State

    Insurance In Your City

    Easiest way to compare and buy car insurance

    √
    No long forms
    √
    No spam or unwanted phone calls
    √
    Quotes from top insurance companies
    Find insurance savings
    Car Insurance by Make
    Audi
    BMW
    Dodge
    Ford
    GMC
    Honda
    Hyundai
    Jeep
    Kia
    Lexus
    Mercedes-Benz
    Mitsubishi
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Model
    Chevrolet Silverado
    Chevrolet Malibu
    Ford Escape
    GMC Sierra
    Honda Accord
    Honda Civic
    Hyundai Tucson
    Jeep Cherokee
    Jeep Wrangler
    Kia Forte
    Mazda 3
    Nissan Altima
    Subaru Outback
    Subaru Crosstrek
    Toyota Camry
    Toyota Corolla
    Toyota Tacoma
    Toyota Highlander
    Toyota Rav4
    Volkswagen Jetta
    View all
    Car Insurance by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Insurance by City
    Austin, TX
    Boston, MA
    Charlotte, NC
    Chicago, IL
    Columbus, OH
    Dallas, TX
    Denver, CO
    Houston, TX
    Indianapolis, IN
    Jacksonville, FL
    Las Vegas, NV
    Los Angeles, CA
    Nashville, TN
    New York, NY
    Philadelphia, PA
    Phoenix, AZ
    Portland, OR
    San Antonio, TX
    San Francisco, CA
    Seattle, WA
    View all
    Car Loan by Make
    Audi
    BMW
    Chevrolet
    Ford
    GMC
    Honda
    Hyundai
    Kia
    Lexus
    Nissan
    Mercedes-Benz
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Company
    AAA
    Allstate
    Aspire Advantage
    Assurance America
    Bristol West
    Commonwealth
    Dairyland
    Encompass
    Infinity
    Kemper
    Mapfre
    Mercury
    National General
    Nationwide
    Plymouth Rock
    Progressive
    Safeco
    State Auto
    Travelers
    Car Loan by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Repair by Service
    AC Compressor Replacement Cost
    Battery Replacement Cost
    Fuel Injector Replacement Cost
    Fuel Pump Replacement Cost
    Ignition Coil Replacement Cost
    Oil Change Cost
    Oil Pan Replacement Cost
    Power Steering Fluid Service Cost
    Rotate Tires Cost
    Spark Plugs Replacement Cost
    Timing Belt Replacement Cost
    Valve Cover Gasket Replacement Cost
    Water Pump Replacement Cost
    Wheel Bearings Replacement Cost
    View all