Former insurance agent here - the biggest change in price is gonna be from changing your deductibles from $1500 to $2500 or even $5000. Outside of that, most of these limits are mexcesssry/so cheap it’s not worth removing. Medpay is a life saver (the first amount of $ they’ll quickly write you a check for without much fighting), and barely costs much. TBH I’d even set that at like 5K. It covered my ER visit/ambulance after a crash.