One thing to remember about car insurance limits is your uninsured motorist, which in some states (thankfully for Owlie, Ohio isn't one of them) is two-thirds or more of your total premium.
Your UIM coverage can be no higher than your liability limits, so even if it's expensive, keep your liability limits high. As cyclists, we're especially vulnerable, and it's our own UIM that will pay if we're hit by an underinsured motorist. I pretty much assume that everyone out there, if they have insurance at all, has the legal minimum, which would cover about four hours in the ER for anything serious. I keep my liability at $1M even on the moto, even though I'd have to be trying pretty hard to cause that much damage to someone else with my moto, just because it's very conceivable that someone underinsured could cause that much damage to me. You're talking about not only medical bills, but lost earnings while you recuperate.
