Some types of coverage are optional in every state, such as:
The more coverage you get, the higher your premiums will be. Of course, you have to balance that with the cost of needing to use that coverage. High premiums could mean future savings; it all depends on how much protection you want. To see how much your auto insurance will cost, use our auto insurance calculator, or check out our auto loans calculator to see how much you can get for your vehicle.
After you figure out what your state requires, learn about the other types of coverage available, from leased vehicles coverage to flood coverage.