If your car is less than 10 years old, buying comprehensive and collision coverage is a good idea. If your vehicle is leased or financed, full coverage will be a requirement.
Insurance add-ons are personal and you’ll be able to tailor your coverage to your situation.
If you have a brand new vehicle, new vehicle replacement coverage is a good idea for at least the first few years
If your vehicle is financed, gap insurance is a smart purchase until you owe less on your loan the the vehicle is worth
Unless you belong to an auto club like AAA, roadside assistance is an affordable add-on for unexpected situations
If you’re driving for a rideshare or food delivery company, you’ll probably need to purchase rideshare insurance
Compare quotes from multiple insurers to find the best rate for the coverage you need and the add-ons that make sense for you.
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FAQs
What type of car insurance is required?
All states except New Hampshire require drivers to purchase at least minimum liability insurance, which includes both bodily injury liability and property damage liability. Some states also mandate uninsured motorist coverage, PIP, and/or MedPay.
If you’re leasing or financing your vehicle, your lender will require you to purchase collision and comprehensive coverage. You may also have to increase your liability limits to 100/300/50.
What is the cheapest type of car insurance?
Minimum liability insurance will give you the lowest car insurance rates—but cheap car insurance can cost a lot more in the long run. If you get into an accident with state minimum insurance, your limits might not be enough to cover the damages and medical bills. You’ll be responsible for the difference out of pocket.
To find the best car insurance quotes, shop around with at least 3-5 insurance providers.
What are the benefits of liability insurance?
Liability insurance ensures that you won’t be liable for out-of-pocket costs after an at-fault accident—but only if you carry enough of it. Accident costs can run up quickly, so it’s best to purchase higher limits than the state minimum coverage—ideally 100/300/100 if you can afford it.
What type of car insurance is best?
It’s always a good idea to purchase full-coverage insurance. This protects you from personal liability if you cause an at-fault accident where someone else is injured or has property damage, plus it covers damage to your vehicle.