Do I need full coverage on a 2005 Subaru Impreza?

"Do I need full coverage on an older vehicle? I'm 22 and don't have a great driving record. I've been accident free for a 1 year, but my insurance is still expensive. For full coverage, I'd be paying $400 a month. For liability only, I'd only be paying $250."

Answer provided by
Emily Maracle
Answered on Jun 22, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“It’s usually recommended to have the highest level of coverage you can afford on a vehicle, regardless of its age.
If you can afford to have both collision insurance and comprehensive insurance, it’s worth adding them on. Both coverages protect your vehicle in case of an accident or other event and you’d be less likely to pay out of pocket if your vehicle is damaged.
You can never have too much insurance coverage!
If you can’t afford full coverage with your current carrier, you should compare rates with other carriers. You may be able to find more affordable car insurance with another carrier. As you continue to be insured and accident free, your rates will also start to decrease.
In a few months, you may be able to afford full coverage!”

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