How Much Auto Insurance Should I Get? 
That depends in part on you , your car and your financial exposure . If you have a new or newer car that is financed or leased , the finance company will require that you have both Comprehensive and Collision coverage to protect it from physical loss or damage . State laws will require that you carry liability coverage , which protects your financial exposure should you cause an accident , but again , if the car is leased , the leasing company will require higher limits . 