Help with Auto Insurance Costs!

Thoughts on insurance premiums (State Farm)

I am paying $206(renter insurance included) every month and driving 2023 BMW X3 Sdrive.

Below is the coverage.

Am I paying a reasonable price?

Have not had any incidents yet.

I live in CA. Had foreign driver licence since 2010.

Got CA licence in 2020.

• Also, what Coverage covers the hit and run if I was the victim(No bodily injury, happened in a parking lot)? (Some say Collision and some say UMVC)

++ If, Collision, I see that I have to pay $1,000 deductible, If UMVC do I not pay deductibles if the damage is below $100,000?

Thanks in advance!!

Bodily Injury Coverage
Limit Per Accident $300,000
Limit Per Person $100,000
 
$159.63 / 6 mos
 
Property Damage Coverage
Limit Per Accident $100,000
 
$125.43 / 6 mos
 
Comprehensive Coverage
Deductible $500
 
$284.76 / 6 mos
 
Collision Coverage
Deductible $1,000
 
$734.54 / 6 mos
 
Uninsured/Underinsured Motor Vehicle Coverage
Limit Per Accident $100,000
Limit Per Person $50,000
 
$75.06 / 6 mos
 
Uninsured Motor Vehicle – Property Damage Coverage
Limit Per Accident $1,000
 
$13.74 / 6 mos
 
Emergency Road Service Coverage
$5.68 / 6 mos
 
Car Rental/Travel Expenses Coverage
Limit Per Occurrence $600
Limit Per Day $25
 
$21.83 / 6 mos