請大家幫我看一下我家的車保險coverage,覺得合理嗎？

兩輛車，沒有傘險。下個月車保險到期，收到新賬單，保費一下漲40%。這是我家目前的coverage and limits. 加州。

需要把limits降低一點，然後買個傘險？沒有出租房。謝謝大家。

Coverage	Limits
Bodily Injury Liability	$250,000 each person
	$500,000 each accident
Property Damage Liability	$100,000 each accident
Medical Coverage
Uninsured Motorist Bodily Injusry	$250,000 each person
	$500,000 each accident
Additional Equipment	$1,000