I think Doobs is talking about an umbrella policy. Every umbrella policy requires liability on all your other policies which is usually 100,000, 300,000 or 500,000. $100,000 is very low. The umbrellas usually require $300,000 and even if it wasn't required, I think I would want $300,000. If you have an umbrella you should find out what is required. For $2.00 in savings (if you typed that right- $145-$147), I would keep the old coverage. I don't like a lower deductible because insurance companies don't like a lot of claims. I think you're better off to pay for any little losses you might have.
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