Minumum Car Insured Amount

I help my father to renew his car insurance last week. I thought we could set the insured sum according to our requirement until last week. My agent told me there is a minimum insured sum required by the insurance company actually. The minimum insured amount for the company we purchase car insurance is request minimum of $8,000.

Well, my father’s car kind of old car, we were thinking to purchase $5,000 insured amount only. However, due to the minimum amount requirement, we have no choice to insured $8,000. Lucky, the payment rate for $5,000 and $8,000 only $20 - $30 different. If not, I might need to look for other insurance company already.