You need to buy as much insurance as you can afford to protect you and to compensate you fully if you are in an automobile accident. Ten times the insurance does not cost ten times the money. Your insurance agent may not tell you that additional insurance will not cost you that much more unless you ask. Why? It's because it's not a good deal for the insurance company and a good deal for you.
Ask your agent how much it costs to raise each type of coverage to the next level. For example, if I raise my PIP from $10,000 to $20,000, how much more would my premium be? If I raise my Uninsured Motorist and Underinsured Motorist Coverage from $25,000 to $50,000, how much would my premium be? You need to be informed! Knowledge gives you the power to financially protect your family.