PUP is "Personal Umbrella Policy", and as the old saying goes, don't leave home without it. The $1,000,000 not only protects your liability on your car, but also your home and other vehicles that you may drive, to include motorcycles, boat trailers, etc. I have had one for at least 25 years in the state of California, Nebraska, and now Delaware. For the past 5 years my policy rate has stayed the same, $123 a year for the Umbrella Policy.. I have a home, car, pickup, and Harley. For clarification, the Umbrella is a coverall policy on top of the basic insurance you all ready have. In order to get an Umbrella policy, you generally have to carry basic liability of 250/500/250. Personally, I carry a slightly higher basic policy, as the rate on the basic was only about $14 more per year. You most likely will never have a need to cash in on this policy, but what a relief if you do. Also, your insurance company's lawyers are going to fight a claim much harder when they have $1,000,000 on the line than say $100,000 or $250,000. Raise your deductibles and you will start saving a few bucks to put toward that "PUP". On limited income, which as an ex-miltary member, I realize it could become a higher burden to pay, but in one accident you could lose everything you have, and will get in future years.