well looking at what you posted ryan, i am prety close tot he minimums already.
SVT:
Injury to others: 20000/40000
personal injury:8000
uninsured:20000/40000
damage to someone elses property:100000
optional bodily injury:20000/40000
collision:500 deductable
comprehensive: 500 deductable/no glass deductable
underinsured:20000/40000
taurus is the exact same ecsept no optional bodily injury and no collision
so it looks like i could really only lower the damage to someone elses property.
bah!
and i am at a step 10.