• Your age.
• Amount of coverage.
• Make and model of your car.
• Safety features on your car.
• Your driving record.
• Number of miles on car.
• Where you drive.
• Years of driving experience.
• Number of recent accidents and tickets.
• Whether you have been to driving school.
• Credit History.

Can you be denied coverage because of your age?
No one is denied coverage just because of his or her age. Companies consider many things. They include your driving record and how much you drive. Your car, its safety features, and mileage are also taken into account.

How much coverage do you need?
Most states have minimum insurance requirements. This is the least amount of insurance you need to drive legally. This may be enough if you seldom drive, live on a fixed income or don't plan on buying another car.

If you have assets, then you might want more coverage. When deciding on a policy, think about how an accident could affect you. If you have minimal coverage and are sued, your home and savings could be at risk. A policy that protects you and your assets can offer security and peace of mind.
 
Do the minimum state requirements cover accidents involving uninsured drivers?
In most states, this is liability insurance. It pays for damage and injury you cause. If you and an uninsured driver have an accident, any damage he or she suffers will be covered. Your damages will not be covered. but you can buy "uninsured motorist" or "underinsured motorist" coverage to pay for your expenses.

Are the minimum state requirements enough protection if you are sued over an accident?
Most minimum policies cover damage and injury you cause. If you are sued for more than this, then you are responsible. These policies only pay for the damage you cause.
 

Do you need collision and comprehensive insurance on an older model car?
Comprehensive insurance pays for things that happen that aren't your fault, like weather damage and theft. Repairing an older car is sometimes not very cost effective. This is something to consider when buying a comprehensive policy.

If you cause an accident, collision insurance pays to repair or replace your car. If your car is totaled, this coverage gives you its current market value. If your car is over five years old its resale value might be less than the cost to replace it. This is something to consider when buying collision insurance.

You should also consider if you intend to buy another car in the future? If so, how will you pay for it? Will money from the sale of your current car figure into the payments.