You also need to be aware that, quite often, in the scheme of things, the minimum requirement for car insurance put into place by your state is not important. This is definitely one case where it is typically better to err on the side of caution, so you should not automatically assume that the minimum requirement in your state will provide enough coverage.
Remember, you may be left paying a surprisingly high amount if you are in an accident where the damages surpass that limitation. Accidents happen, and you can pretty much bet that you will not always suffer a “minimum amount” of damage.
So, for that reason, you may want to think about investing in an umbrella policy. These policies are not incredibly expensive, and both you and your assets will be protected — just in case.