请大家帮我看一下我家的车保险coverage,觉得合理吗？

两辆车，没有伞险。下个月车保险到期，收到新账单，保费一下涨40%。这是我家目前的coverage and limits. 加州。

需要把limits降低一点，然后买个伞险？没有出租房。谢谢大家。

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