You must carry what is basically the minimum that your state allows (usually liability). You can also raise yoru deductible (to $500 instead) and that should help.
Remember laways carry at least the minimum required
My suggestion though is to carry more than what is required:
Liablity
Under Insured / Uninsured
Bodily Injury (at least $100,000/$300,000)
Property Damage (at least $30,000)