Auto Insurance
Understand your coverage options, compare policies, and learn how to save on auto insurance premiums without sacrificing protection.
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Liability-Only vs Full Coverage
Liability-Only
- Covers damage you cause to others (required by law)
- Cheapest option — premiums as low as $30-50/month
- Ideal for older cars worth less than your deductible
- Does not cover damage to your own vehicle
Best for: older vehicles where repair cost exceeds the car's value
VS
Full Coverage
- Includes collision and comprehensive on top of liability
- Covers theft, weather damage, and animal strikes
- Required if you have a car loan or lease
- Higher premiums — may not be worth it on older cars
Best for: newer vehicles, financed cars, or high-value assets
The ChooseFI take
The FI move: raise your deductible to $1,000+ if your emergency fund can cover it, and drop collision/comprehensive once your car's value drops below 10x your annual premium for those coverages. Invest the savings.
Auto Insurance Guides
Guides on auto insurance coverage, policy comparisons, and strategies to save on premiums.
