Coverage options will determine overall pricing. With a used car, you might not need the same level of coverage that you’d want for a new car.
Liability coverage is required by most states and covers any injuries that occur to people in other cars and damage to property. Minimums will be in place as required by your state, but you may want to get as much coverage as you can afford to protect yourself from out-of-pocket expenses.
Collision coverage protects you from expenses if your car is damaged in a vehicle accident or if its hit by something else.
Comprehensive coverage covers your car in the event of damage from fire, flood, vandalism, theft or another situation you can’t control.
Both collision and comprehensive coverage come with deductibles, and you might decide you want to have these options with high deductibles or you could also forgo them if your used car doesn’t have a high value.
Car Insurance for Salvage Title
A car with a salvage title means that it has been declared to be totaled, and it can’t be driven on roadways. Legally, it’s not possible to insure a car with a salvage title. But, if the car has been fixed and tested, it might qualify for a rebuilt title. This means it’s been examined and found to be safe, so it can be registered, sold and driven. To insure this type of car, you can buy liability coverage, but most insurance companies won’t offer full coverage with collision and comprehensive for a refurbished car.
