Car Insurance

I shop insurance rates every few years and had a thought. Is it a gamble or a smart move to buy the lowest coverage that’s legal and then buy an umbrella policy to cover you and your assets should the worst case scenario occur?

Last I checked with my car insurance, they didn’t sell umbrella unless you got a higher coverage. I think thats with most insurance. So you won’t be able to get the minimum on the regular insurance and an umbrella coverage.

Thanks for the input…my agent kind of hemmed and hawed when I asked him his thoughts. Of course, it would cut into his commission.