A couple more comments.
Your insurance policy is not lengthy, and is easy to understand. I would recommend reading through it so you know what the coverage is.
2nd point, if you haven't recently shopped your coverage around, I would do so. I had State Farm for around the first 10 years of adulthood. I became friends with an Independent Insurance Agent, and had him quote my policies. I ended up saving about $2000/ year with better coverage when I switched all my policies.
I checked him against a couple of captive agents last year (State Farm, Farmers, Allstate), and he was still $1000 cheaper per year.
It pays to shop.