WE had geico for 15 years then one day i went shopping . geico was $2100 year went with SAFECO $840 YR , Same coverages.
Insurance don't like for you go shopping!!!
Do not drop your coverage, shop your carrier. Frankly your limits are already lower than the state minimum in California and would scare me.
Those limits are so low, that even a fender bender and you will be screwed.
I would shop around and try to find much higher coverage....
or see if you can get umbrella or something.
Thing is, if anyone hits you, and if they dont have coverage, oh boy.
Shop around. not trying to start any crap, just trying to help.