Teen Car Insurance Question. Desperate for answers?

Hi I am 17 and I am testing out quotes for insurance... my question is that... is it legally required for me to add collision coverage? comprehensive coverage? uninsured motorist bodily injury? Uninsured Motorist Property Damage? .. WHAT IS LEGALLY REQUIRED and what do I really not need to worry about? I am a girl therefore I am a safe driver hahaha... ANY ANSWERS WILL HELP.... THANKS!!!!

Public Comments

1. collison coverage is when somebody crashes into u or vice versa. comprhensive is things such as vandalism uninsured is somebody you is uninsured u get covered . and i know a good company who can get u insured i'm also a teen
2. Keep in mind, this varies by state. In most cases, your are only legally required to have Bodily Injury/Propert Damage. This pays for the people you injury or for damage you cause. Uninsured is for YOU if you get hurt by someone who has no insurance. If you or your passengers don't have health insurance, keep this coverage. Generally, it's only a few dollars more.
3. Unless your vehicle is financed and the finance company requires full coverage, all you legally need is the minimum for your state, which you didn't mention. However often times just getting minimum coverage is false economy, and just a very few dollars more will get you much better coverage. Sit down with your agent and discuss your coverage until you fully understand what you are getting, and why.
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