5 Mistakes to Avoid When Buying Car Insurance (2025) Buying car insurance might seem straightforward, but making the wrong choices can cost you hundreds — or even thousands — of dollars a year. In 2025, here are the top five mistakes drivers should avoid when choosing an auto insurance policy. 1. Buying Minimum Coverage Only Most states require minimum liability coverage, but that may not be enough to protect you in a serious accident. If you hit a luxury vehicle or cause injury, you could be responsible for costs far beyond your policy limit. 2. Not Comparing Quotes Insurance rates vary significantly between companies. Don’t settle for the first quote. Use online tools to compare multiple offers and find the best value for the coverage you need. 3. Ignoring Deductible Options Choosing a higher deductible can lower your monthly premium, but it also means paying more out-of-pocket in an accident. Be honest about what you can afford to pay upfront if a claim arises. 4....