兩個細節問題：
1. 您提到UMPD Coverage 50K/100K/50K。我的車價20K，有醫療保險，這一項是不是可以保低一點
If you don't need the medical coverage, it can be reduced to the minimum allowed in your state, probably 20k or 15k, as long as it's close to your car's value.
2. 是不是Comprehensive這一項不是自己的過錯，claim以後不會增加保費，所以Deductible可以低一點。比如換玻璃，聽說少於500，是不是可以說低點，比如250？
My impression is the premium would be much higher if you go with $250 deductible instead $500.
1. 您提到UMPD Coverage 50K/100K/50K。我的車價20K，有醫療保險，這一項是不是可以保低一點
If you don't need the medical coverage, it can be reduced to the minimum allowed in your state, probably 20k or 15k, as long as it's close to your car's value.
2. 是不是Comprehensive這一項不是自己的過錯，claim以後不會增加保費，所以Deductible可以低一點。比如換玻璃，聽說少於500，是不是可以說低點，比如250？
My impression is the premium would be much higher if you go with $250 deductible instead $500.
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