Hello how may I help you? i have an insurance question Sure which policy do you need help with? car insurance, how much am i insured for Okay, I can see my searching your phone number that you have $300,000/$100,000 for accident coverage. That's pretty high can i lower it to get my cost down yes. Your state only requires $50,000/$100,000 coverage for accidents. The cost is cut by $150 per year yes lets drop it to that Okay I have changed you over to the minimum policy, Do you want road side assistance for $3 per month? no thank you Okay Then I will send you a check today for $87.50, That is the prorated difference