I talked to my insurance agent. Here are the lateest updates:
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Here is my current insurance coverage:

Two adult drivers
I have to check and see if we receive insurance "discounts" (i.e., air bag, good credit, alarm, multi-car, multi-policy, etc.)

YES

DH car => 95 Honda Accord (kbb online says worth $2540-$3090)
my car => 01 Honda Accord (kbb online says worth $12705)
extra car => 94 Chevy Corsica (kbb online says woth $1080-$1460)

I just added the third car due to my daily work commute of 70 miles round trip. I didn't want to add so many miles to my 01 Honda. My dad gave me the Chevy, so it was a good deal. :-)

Coverage:
Bodily injury each person/each occurrence
100,000/300,000

Property damage liability $ limits (each occurrence) 50,000

Underinsured motorist bodily injury $ limits each person/each occurrence
100,000/300,000

Underinsured motorist property damage $ limit each occurrence
25,000

Medical payments $ limit each person
2,000

Collision deductible each occurrence
deductible => 250 for all cars (changed from $100)

Comprehensive deductible
deductible = 100 for each vehicle (changed from $0)
I am still trying to convince DH that I need to drop it for the Chevy. I also think it should be 250 deductible

Towing
Dropped because I have AAA. (changed from $50 per breakdown)


This is a work in progress.....
diat