i mean on the flip side. think of your current auto insurance!
if you have plenty of assets that arent protected such as retirement funds. you should always have the standard protection at the very since that is what lawyers go after at the minimum.
if yo uhave no assets then you there is no reason to pay for protection, since no one will go after someone broke. just go with whats legally required.
with that said, always pay for uninsured motorists insurance. since most will not have adequate amounts as most americans are poor.