<prompt> Human: Hey guys,Currently I have an auto insurance policy with Geico and am paying through the nose due to a bad accident I had last September. Im looking to change my policy to keep costs down and Im certain that there are some things I can cut out.Heres my current coverage:- Body Injury Liability 30,00060,000- Property Damage Liability 15,000- Personal Injury Protection 5,000- Uninsured Motorist Bodily Injury 30,00060,000- Uninsured Motorist Property Damage 15,000, 250 ded.- Comprehensive 1,000 ded.- Collision 1,000 ded.Unfortunately, I dont really know what these different coverages are for or when they come into play. My current premium is 8606 months.I live in MD and know that my state requires a few of the above not sure which. My car is a 2012 Ford Fiesta that I owe about 14k on currently, and I have gap coverage.  <response>: Your coverage limits are already fairly low. In the event of a bad accident, that bodily injury will be eaten up really quickly and then youll be personally sued for the difference. The property damage liability is also quote low.Talk to an independent agent to figure out all your options. 