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How should I know what type of car insurance coverage to get?
I just bought a car with cash, and I know I need to get insurance, but it feels like there are way too many options! How do I know what car insurance coverage to get?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Choosing which
car insurance
to buy can feel overwhelming! The type of insurance you need is dependent on many variables, so let’s start at the beginning.You’ll need to have at least the
state minimum liability coverage
to legally drive in your state. However, state minimum coverage usually doesn’t cover all that much and tends to be a poor choice for most drivers, but this depends on the value of your car.For example, if you have an older car, you should purchase
liability coverage
with the highest limits you can afford. Unless your car is a classic, older cars tend to have very little value and can often be more expensive to repair than to replace in the event of an accident.On the other hand, if you have a newer car or you financed a vehicle, you will need full coverage. This includes
comprehensive coverage
and collision coverage
in addition to your liability coverage. Adding both collision and comprehensive protects you from paying out of pocket in almost every scenario. It might all still feel overwhelming—which is why if you’re shopping for insurance, the
Jerry
app can be a helpful tool. We’ll get you quotes from top-of-the-line providers instantly so that all you need to do is pick the plan that works best for you. We’ll even help you with the paperwork for your new plan. Best of luck with insurance shopping, and enjoy your new ride!”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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