Beyond the state-mandated minimums, you need to know exactly what risks are covered. Ask if the policy includes:

Ask for a range of deductible options (e.g., $500 vs. $1,000) to see how much a higher deductible reduces your monthly premium.

Friends who might borrow your car once in a while.

Ensure you choose a deductible you can realistically afford to pay on short notice.

Don't assume everyone is covered. Clarify if the policy covers:

If you use your car for work tasks like deliveries or ridesharing, you may need separate commercial coverage.