Unsure about auto insurance law?:
First off, you get what you pay for and secondly, if it seems to good to be true then it probably is. I would bump up to COMP and COLLISION as well in my opinion. I would also ask the agent for a copy of the policy itself , called a specimen policy, and comb through it very carefully. It will spell out what you will and won't be getting in the policy. If you are comfortable then yes, go for it. Be advised , anything not covered by the policy  in theory could be charged back to you. I work for an insurance company and have seen people lives ruined by not having enough or the RIGHT TYPE of insurance. Bad things do happen to good people. I hope this helps.