twice about low liability coverages.
100/300 is the minimum I'd get, and $100k property damage is the lowest I'd go - look how many Trucks/SUVs these days are selling for $80-$90k. Minimum liability coverage just isn't going to be enough for that.
Right now I have 250/500k bodily injury + 100k property damage, and I also have 50/100 uninsured motorist with 100k property damage. I also have an umbrella policy for $1M/incident / $2M aggregate each year.