I have $250,000/$500,000, & I am thinking that's not enough these days.
I inquired about a $1 million umbrella policy this week, but I haven't heard back from my insurance agent yet.
I have the lower $250 deductible for comprehensive, because deer damage is so common where I live. I have $500 collision deductible to help keep some costs down.
One way or another they seem to get you with insurance premiums, but it does pay to shop around some.