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Before you start shopping, you must identify exactly what protection you require. Most states require a minimum amount of , which covers damages you cause to others. However, depending on your vehicle and financial situation, you may need more:

: This protects you if you are hit by a driver who lacks adequate insurance. 2. Strategic Ways to Lower Your Premiums autoinsurancetips co

: If you lease or finance your car, this covers the difference between the car's current value and what you still owe if it is totaled. Before you start shopping, you must identify exactly

: Essential if you have a newer or expensive car, as these cover damage to your own vehicle regardless of fault and non-accident events like theft or weather. Before you start shopping