Sean Pyles

What happened? Some of the biggest changes that you made as a result of one being a parent, which you have been for a number of years now, but also getting remarried. Those are some big changes.

What happened? Some of the biggest changes that you made as a result of one being a parent, which you have been for a number of years now, but also getting remarried. Those are some big changes.

So the answer is you may not be able to because to have umbrella insurance, your insurer requires you to have certain minimums coverage for your home and for your auto. And if, for example, you didn't have that minimum amount of coverage and you had an umbrella policy on top of that and you had a gap between the two, you personally would have to pay out of pocket to cover that gap in coverage.

So the answer is you may not be able to because to have umbrella insurance, your insurer requires you to have certain minimums coverage for your home and for your auto. And if, for example, you didn't have that minimum amount of coverage and you had an umbrella policy on top of that and you had a gap between the two, you personally would have to pay out of pocket to cover that gap in coverage.

So the answer is you may not be able to because to have umbrella insurance, your insurer requires you to have certain minimums coverage for your home and for your auto. And if, for example, you didn't have that minimum amount of coverage and you had an umbrella policy on top of that and you had a gap between the two, you personally would have to pay out of pocket to cover that gap in coverage.

So you need to have that minimum amount and your insurer may well not even allow you to have less than that. So in general, it's just better to have higher collision coverage anyway, most likely depending on your car and your needs. And since umbrella insurance is so affordable anyway, you're likely fine keeping it as it is.

So you need to have that minimum amount and your insurer may well not even allow you to have less than that. So in general, it's just better to have higher collision coverage anyway, most likely depending on your car and your needs. And since umbrella insurance is so affordable anyway, you're likely fine keeping it as it is.

So you need to have that minimum amount and your insurer may well not even allow you to have less than that. So in general, it's just better to have higher collision coverage anyway, most likely depending on your car and your needs. And since umbrella insurance is so affordable anyway, you're likely fine keeping it as it is.

And since your net worth has increased, having that higher amount is a smart idea too. But if you're concerned that the collision coverage that you have is maybe more expensive than you want, that's when you'd want to shop around at least once a year to compare rates on auto insurance specifically. So have you done that in the past or recently?

And since your net worth has increased, having that higher amount is a smart idea too. But if you're concerned that the collision coverage that you have is maybe more expensive than you want, that's when you'd want to shop around at least once a year to compare rates on auto insurance specifically. So have you done that in the past or recently?

And since your net worth has increased, having that higher amount is a smart idea too. But if you're concerned that the collision coverage that you have is maybe more expensive than you want, that's when you'd want to shop around at least once a year to compare rates on auto insurance specifically. So have you done that in the past or recently?

I would be really surprised if they didn't have that anyway. because it's in their interest to provide an adequate policy for your needs. Did you shop around elsewhere when you were going over to USAA? At NerdWallet, we often recommend people get quotes from two or three places before making a decision. And we have a pretty handy comparison tool that can do some of this work for you.

I would be really surprised if they didn't have that anyway. because it's in their interest to provide an adequate policy for your needs. Did you shop around elsewhere when you were going over to USAA? At NerdWallet, we often recommend people get quotes from two or three places before making a decision. And we have a pretty handy comparison tool that can do some of this work for you.

I would be really surprised if they didn't have that anyway. because it's in their interest to provide an adequate policy for your needs. Did you shop around elsewhere when you were going over to USAA? At NerdWallet, we often recommend people get quotes from two or three places before making a decision. And we have a pretty handy comparison tool that can do some of this work for you.

But that's a nice way to get a good feel for what you might be able to get from one company to the next, because prices can vary pretty wildly for coverage.

But that's a nice way to get a good feel for what you might be able to get from one company to the next, because prices can vary pretty wildly for coverage.

But that's a nice way to get a good feel for what you might be able to get from one company to the next, because prices can vary pretty wildly for coverage.

I would say it's worth comparing all of them side by side just to make sure that you have the best coverage for the best price. With insurance, especially car insurance, it typically doesn't pay to remain loyal to one company or another. And in fact, we've seen over time, some companies may well charge people more because they're not likely to shop around.

I would say it's worth comparing all of them side by side just to make sure that you have the best coverage for the best price. With insurance, especially car insurance, it typically doesn't pay to remain loyal to one company or another. And in fact, we've seen over time, some companies may well charge people more because they're not likely to shop around.

I would say it's worth comparing all of them side by side just to make sure that you have the best coverage for the best price. With insurance, especially car insurance, it typically doesn't pay to remain loyal to one company or another. And in fact, we've seen over time, some companies may well charge people more because they're not likely to shop around.