新手车险清单及问题

新手,不到两年车龄,有小孩,07年TOYOTA HIGHLANDER,车险的情况(G公司)
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Bodily Injury Liability: $300,000 $198.30
Property Damage Liability: $100,000 $119.70
Residual Medical Payments: $5,000 $0.40
Supplementary Uninsured Motorist $50,000 $12.30
Basic Personal Injury Protection $200 Deductible $117.20
Comprehensive $500 Ded. With Full Glass $26.60
Collision $1,000 Ded. $137.20
Total: $611.70 (for 6 months)
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请问这个价格如何(在NY)?有什么需要增加或者减少的,请提供宝贵意见
谢谢!