回复：回复：回复：新手保险求教

两个细节问题：
1. 您提到UMPD Coverage 50K/100K/50K。我的车价20K，有医疗保险，这一项是不是可以保低一点
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这一项不是自己的过错，claim以后不会增加保费，所以Deductible可以低一点。比如换玻璃，听说少于500，是不是可以说低点，比如250？
My impression is the premium would be much higher if you go with $250 deductible instead $500.