I'm a little confused if this is a good insurance quote and if this passes the legal requirements for NJ. I don't really care about my car so I don't need any extra coverage for it. Which items should I not scrimp on?
Geico quote:
$358.80 ($65 per month) for 6 months
Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible
Medical payments (MED): $1,000
No additional PIP coverage
Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)
Not only medical expenses
Medical expense limit : $15k/ $2,500 deductible
No comprehensive or collision