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The amount of car insurance you need depends on your state's minimum requirements, your vehicle's value, and your personal financial situation. Most experts recommend carrying liability coverage that exceeds your state's minimums, plus comprehensive and collision coverage if your car is valuable or financed.
Minimum coverage typically includes only liability insurance required by your state, covering damages you cause to others. Full coverage adds comprehensive and collision insurance, protecting your own vehicle from damage, theft, and weather-related incidents.
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