There are a couple of options you have here. Obviously, I would need to know what state you are in to better understand exactly your situation, but since you mentioned limited tort, I can assume you are either in NJ or PA, I hold a license in both states so my assumptions will be somewhat based on those. Remember every state is COMPETELY different, so asking a forum their thoughts on changes is difficult because everyone has a different concept of what is a reasonable rate for insurance. What is reasonable in Michigan for example is outrageous to someone in Idaho.
In your situation, since you have health insurance, the key question is whether or not you normally meet your annual deductible. If so, I would consider dropping medical payments. THis coverage is most often used to cover that deductible but if you meet it anyway, it doesn't help much. It does provide additional benefits, but with higher levels of coverage like yours you have so many layers of protection that the added benefit is negligable at best. I see that your agent said that is the minimum limit... but depending upon the state this should be a waiverable coverage, so again... goes back to what state you are in. Usually an agent is getting a commission so they are going to use clever wording to avoid reducing their own paycheck. If he said that is the minimum, he never said you couldn't waive it, he was simply saying that is the lowest option to still carry it. Wording is how agents get away with forcing you to carry higher coverages than you need. Unfortunately there is a big conflict of interests when dealing with a traditional agent because you are fighting a battle between cost savings and their own paycheck. They are going to play on what you don't know in order to win that battle.
Now in regards to the itemized changes. Keep in mind, that discounting/tiering exist heavily in insurance. By removing one coverage, you may lose a package discount/rating factor that helped out another coverage. So, I wouldn't focus as much on the itemized costs as much as the overall picture because of that. Removing a $20 coverage, may only save you $10, because it is creating a $10 rating benefit by having it. This prevents rate shopping by giving a greater perceived value as it tends to encourage you to carry more coverage. For example towing/rental only costs a few dollars a month on a policy, but the perceived value is considerable when compared to the same policy without it. An agent knows the more options that exist on the policy, the more you think you are getting for your money. Meaning it is easier to talk down a policy from a competitor that is trying to beat you on price alone. Works the same with cars, tvs, etc. Benefits can trump price even if it isn't always logical.