---
id: guide-0028
title: "What to know about insuring your new vehicle"
category: guide
subtopic: insurance-basics
page_type: guide
source_url: "https://www.boballenmotormall.com"
tags: ["insurance", "guide", "ownership"]
questions:
  - "What insurance do I need?"
  - "How much insurance coverage should I get?"
  - "What's the difference between liability and collision?"
  - "Do I need comprehensive coverage?"
related: [registration-titling, gap-protection]
dealer: Bob Allen Motor Mall
---

Getting the right insurance before you drive off the lot is essential and often required by your lender. **Insurance Basics:**
- **Liability:** Covers damage you cause to others' vehicles or property (required in most states)
- **Collision:** Covers damage to your vehicle from accidents
- **Comprehensive:** Covers theft, weather, vandalism, and other non-collision events
- **Deductible:** Your out-of-pocket cost per claim (higher deductibles = lower premiums)

**What You'll Need:**
If you're financing, your lender will require full coverage (collision + comprehensive). If you're paying cash, liability is a legal minimum, but comprehensive and collision protect your investment.

**Before You Drive Home:**
Contact your insurance agent or use online quotes to compare rates and coverage. Many policies start on the day of purchase. Our finance team can guide you on what your lender requires.

**Ready to move forward?** Call **(877) 331-4442**-we'll help coordinate timing so you're covered the moment you take possession of your new vehicle.