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If you're tired of your car insurance doubling every few years(despite a flawless driving record) and you live in a state that got flooded with illegal immigrants who drive without a license/insurance, just remove your uninsured motorist coverage. My car insurance dropped 50% by doing this.
The most common response to this move is, "Doesn't that mean I'm screwed if an uninsured driver hits my car?". Nope you're not screwed, but it does mean you'll have to pay for the collision deductible and your health insurance will cover medical costs.
Former insurance agent here, I don't think underinsured motorist coverage is usually that impactful in the majority of cases. I looked through tens of thousands of quotes and adjusted coverages to help potential clients save money and to get them a competitive quote.
If you are having rate issues, it's probably:
a) Staying with your carrier for too long - just shop around - figure out what your risk profile is and find an insurer that matches that. Have great credit, no accidents, etc? Get quotes from "preferred" providers like The Hartford or Travelers. Have a few punishing things like tickets or accidents? Get quotes from standard/non-standard carriers like Progressive and The General.
b) Liability coverages in general aren't expensive, and the most expensive coverage is typically Collision on your own vehicle. Increase your deductible here to $1,000+. Other expensive coverages are anything PIP/med payments to yourself (typically redundant with health insurance)
To be fair though I didn't work with fastlane-esque clientele so if you are some on some "super preferred" level trying to insure a Lambo I don't have advice here.
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