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: 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.

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

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: : If you lease or finance your car,