新车保险， 帮我看看！

GLC 300 4WD, 2019年新车， 每各月197，GEICO 保险， 是不是太贵了？


New Jersey Tort Options

Limited Tort
Premium: [size=1.6]Included

Bodily Injury Liability

$500,000/$500,000
Premium: [size=1.6]$176.50

Property Damage Liability

$500,000
Premium: [size=1.6]$159.40

PIP Expense Deductible

$250,000 limit medical/$500 deductible
Premium: [size=1.6]Not Added

Add'l PIP Insured & Relative

I decline
Premium: [size=1.6]Not Added

Add'l PIP Insured Only

I decline
Premium: [size=1.6]Not Added

Uninsured & Underinsured Motorist

$500,000/$500,000
Premium: [size=1.6]$59.20

Uninsured & Underinsured Motorist Property Damage

$5,000/$500 deductible
Premium: [size=1.6]$0.70

Medical Payments (MED)

$1,000 (included at no additional cost)
Premium: [size=1.6]Included