Instead of looking at a premium reduction, I think you might want to review both the uninsured motorist and medical expense coverage. Those limits seem very low to me - make sure you have adequate coverage there.
If someone were to hit & run and total your car -- is the $50k coverage enough to replace it?
Same with medical coverage - ensure your healthcare will cover you for any medical costs above and beyond the initial $250.
-Uninsured Motorist Coverage max is 50K only and i have selected loan lease payoff - Both should cover the value of the car.
I have good medical coverage from my employer so that should be take care off.