I work as an insurance adjuster. Companies save you money by adjusting your limits. The more drastic the savings the lower your limits. A lot of places can get you really cheap “full coverage” because you have the lowest protection possible. NY minimum for property damage coverage (the coverage that pays for what you damage. Another car, a house, a street sign, etc...) is 10k. I can tell you right now. A lot of things driving on the road cost more than 10k. Hit a telephone pole? 15-30k. Hit a utility pole? 20-40k per provider running wires through it. I always tell everyone I can to please review your coverage at least once a year. Especially to make sure you have the coverage you want. Or maybe you just needed basic coverage so you have cheap insurance but now want better protection. Review that coverage.

Sorry for the rant