Do both cars on my insurance policy have to have the same coverage?
I have a 2011 Kia Soul and a 2020 Kia Sportage on my policy. I am thinking of removing full coverage from the Soul, but I want to keep full coverage on the Sportage. Am I able to carry different coverage on the same policy?
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Answered on May 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“The liability coverage limits on your policy are shared amounts for all the listed cars listed. So for this part of the policy, the coverage limits have to be the same.
But this is not the case for the physical damage limits on individual vehicles. Comprehensive coverage and collision coverage do not have to match. You can carry different deductibles or simply remove the coverage on the Soul and keep full coverage on your newer Sportage.
Another way to save money is by shopping for a new policy. Give Jerry a try. This free app gets quotes from over 40 carriers in just minutes and makes switching car insurance a breeze!”
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