Question 1

Is buying more than the minimum coverage requirements necessary?

Accepted Answer

While you only need to carry minimum requirements by law, a good recommendation is bodily injury protection of $100,000 per person and $300,000 total.

Question 2

What types of auto insurance coverage are usually required?

Accepted Answer

The most common type of required coverage is liability insurance, which covers damages that occur when the accident is your fault and only covers damage to the other party. Some states also require uninsured motorist coverage or personal injury protection.

Question 3

Is it worth it to have full coverage on my car?

Accepted Answer

There are multiple reasons why saving money with a state minimum auto liability insurance policy generally isn‘t the best idea. If your vehicle is expensive and you can’t afford to pay for repairs out of pocket, you should carry more than the minimum.
Since minimum coverage insurance doesn’t include protection for you and your vehicle, you should carry full coverage car insurance to pay for your vehicle damages and medical bills (Read More: What are the recommended auto insurance coverage levels?).

Question 4

Why do states require car insurance?

Accepted Answer

States have put car insurance requirements in place to protect you and your assets. If you are in an accident with another driver, one or both of you must be responsible for the damages caused to both the vehicles and the people. Insurance coverage helps protect you from financial ruin in such situations.

Question 5

How can I find out the minimum insurance requirements in my state?

Accepted Answer

You can contact your insurance agent or insurance company to find out the minimum insurance requirements in your state. Alternatively, you can contact your state insurance department, which can provide you with the necessary information.

Question 6

Should car insurance go down as car gets older?

Accepted Answer

Generally, older cars cost less to insure, but rates depend on various other factors too (Learn More: Cheap Auto Insurance for Older Vehicles).

Question 7

Should I purchase additional coverage beyond the minimum requirements?

Accepted Answer

It is highly recommended that additional coverage, such as collision and comprehensive coverage, be purchased. Collision coverage helps cover damage to your own vehicle, even if the accident was your fault. Comprehensive coverage covers damage caused by non-collision incidents like theft, fire, or natural disasters.

Question 8

When should I lower my car insurance coverage?

Accepted Answer

Wondering at what point is full coverage not worth it? You can drop full coverage if your annual premium costs more than 10% of your vehicle’s value.

Question 9

Why would insurance most likely be cheaper for a 35-year-old rather than a 25-year-old?

Accepted Answer

35-year-old drivers have more experience, and as long as their driving record is clean, they will have much cheaper rates than 25-year-olds (Read More: Auto Insurance Rates by Age).

Question 10

Why would someone choose to pay for more than the minimum amount of insurance coverage?

Accepted Answer

Although it costs more, full coverage insurance offers much better protection to both driver and vehicle, as we mentioned earlier when we explained why saving money with a state minimum auto liability insurance policy generally isn&#8217;t the best idea.
The best full coverage car insurance pays for your vehicle repairs after an accident, no matter who was at fault. It can also cover medical bills for you and your passengers in case you’re injured. Shop for affordable full coverage car insurance quotes today with our free tool.

Question 11

When to drop collision coverage from Consumer Report?

Accepted Answer

The advice from Consumer Report is to drop collision coverage on older vehicles if your payments equal 10% or more of your car&#8217;s value.
However, in other cases, the recommended car insurance coverage by Consumer Reports is a full coverage policy with collision and comprehensive insurance. You can always use a free &#8220;how much car insurance do I need calculator&#8221; to determine what coverages you should carry.

Question 12

Is gap insurance worth it if you have full coverage?

Accepted Answer

Guaranteed auto protection (gap) insurance is worth it if you have a new vehicle. Older vehicles do not need gap coverage.

Question 13

At what point is car insurance not worth it?

Accepted Answer

Because you are required to carry auto insurance in most states to drive legally, car insurance is always worth it.

Question 14

What is the purpose of minimum insurance coverage?

Accepted Answer

Minimum liability insurance is the minimum amount of coverage you can purchase in your state. The purpose of minimum coverage is to protect other drivers, as minimum coverage insurance pays for damage and injuries you cause in an at-fault accident.

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When to Buy More Than Minimum Auto Insurance in 2025 (Coverage Advice)

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When to Buy More Than Minimum Auto Insurance in 2025 (Coverage Advice)

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