My current insurer has me at 320K, so I got 2 quotes and one company won't go under 371K and it's rated 80% by JD Powers, whereas the other company will insure at 320K and is rated 100%, both have 1million umbrella, I think more than 320K coverage is excessive, personally

the first company wants $832/year, the latter $969

should I pay a bit more for higher rating with a bit less coverage?