Q: How am I to know what level of gay friendly vehicle insurance coverage I need?

A: It’s pretty simple to break down what kind of gay friendly vehicle insurance coverage you’ll need on your policy. The very base of your coverage should be whatever is required in your state. In most states this is liability insurance, but in no fault states you may need additional forms, while even other states also require uninsured/underinsured motrist coverage. Whatever this required amount is, you can find out from your car insurance provider.

After that, you have to figure out if you want to proceed. If you are having your car financed, or you are leasing it, then it’s more than likely that your contract requires you to have collision and comprehensive, and often gap, coverage on your policy. If you want to save money on these coverages, then you will have to raise your deductible–preferably to at least $1000.

If you aren’t buying your car, then you have a choice. If your car is older, then you may want to go without these additional coverages. In fact, if it values at less than $2000, then just stick with what’s required.