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What is a good level of coverage for a financed 2014 Toyota 4Runner and an owned 2013 Honda Fit?
My and my husband's policy is up for renewal and we would like to adjust our coverages. Based on the type of vehicles we have, what would be the best coverage levels to have?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“With a variety of options when it comes to
car insurance
, it can be difficult to know what coverage is best. With insurance, less is not more! Since you have a Toyota 4Runner that is financed, it should have both
comprehensive coverage
and collision coverage
. The deductible you choose for these should be an amount that you would feel comfortable paying out of pocket. Since you own the Honda Fit outright and it’s an older vehicle, you can choose to carry
liability coverage
only to save some money. You should reach out to your current carrier and also shop around to secure the best rate for the coverage you want. If you currently have the minimum amount of coverage, look at policies that are rated “”silver”” or “”gold.”” This will give you an idea of both mid and high levels of coverage. “
View full answer
- Gregory R.
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