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Understanding New Car Insurance
Why New Cars Often Cost More to Insure
New vehicles have higher replacement values, which means the insurance company would pay more to repair or replace them. Advanced safety features, cameras, and sensors are expensive to fix after even a minor fender bender. The good news is that many of these same safety features also qualify you for discounts.
Liability, Collision, and Comprehensive
Liability coverage pays for damage you cause to others. Collision covers your own vehicle in an accident regardless of fault. Comprehensive covers everything else — theft, weather, vandalism, hitting an animal. Most states only require liability, but if you have a new car, you likely want all three.
What Lenders and Lease Companies Require
If your car is financed or leased, your lender will almost certainly require both collision and comprehensive coverage. Many also set maximum deductible limits, typically $500 or $1,000. Gap insurance, which covers the difference between what your car is worth and what you still owe, is strongly recommended for new vehicles.
How Your Zip Code Affects Your Rate
Where you park your car overnight matters more than you might think. Urban areas with higher traffic density and theft rates cost more to insure. Weather patterns in your region affect comprehensive rates. Even the quality of local roads can influence pricing. Moving across town can sometimes change your premium noticeably.