What is good to have with car insurance. what features i guess i should say...?

What is good to have with car insurance. what features i guess i should say...?

i am 26, drive a 2007 altima 2.5s sedan with 30,000 miles on it. clean driving record and had my license since 17 with zero tickets if that helps. --------------------------------------... This is what I am paying with progressive auto: Coverage & Premium Information 2007 Nissa BODILY INJURY & PROPERTY DAMAGE LIABILITY $296.00 BI $50,000 EACH PERSON - $100,000 EACH ACCIDENT PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT MEDICAL PAYMENTS $5,000 EACH PERSON $20.00 COMPREHENSIVE ACV LESS $500 DEDUCTIBLE $65.00 COLLISION ACV LESS $500 DEDUCTIBLE $336.00 LOAN/LEASE PAYOFF COVERAGE $33.00 25% OF THE ACTUAL CASH VALUE UNINSURED/UNDERINSURED MOTORIST $22.00 $50,000 EACH PERSON - $100,000 EACH ACCIDENT UNINSURED MOTORISTS PROPERTY DAMAGE $3,500 $6.00 ROADSIDE ASSISTANCE $7.00 Premium by Vehicle $785.00 Anti-Fraud Fee $0.90 Total Policy Premium $785.90 -------------------------------------- I think i am paying too much for car insurance?! about $130 A MONTH! Is this just about right or can I get lower better insurance or do i actually need something more?! let me know what you have and how much you pay and how you are covered. thanks

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