When buying auto insurance, there are several questions to consider regarding coverages and companies to work with.

1. How Much Do You Love Your Car? Okay, your car is not a family member or even a person, but do you have an extraordinary attachment? If so, you’ll want it fixed perfectly—or replaced with the same model—if anything happens to it. So shop for the entire range of insurance, including collision, comprehensive, and even glass coverage.

2. How Much Do You Drive? Do you need your car every day—for instance, to get to work? Or is owning a vehicle mostly a convenience that you could forgo if required? Do you drive 100 miles a month or closer to 1,000 or more? Make sure your policy reflects how much you drive.

3. Will You Be Using Your Car for Work? If you use your car not just to get to work but to perform work tasks, commercial auto insurance is a necessity. A personal auto policy will not provide coverage if you deliver pizzas, drive as a courier, transport paying passengers through a ride-share service or use your car for other commercial activities.

4. Where Do You Live—and Park? Where you live will impact your insurance rates—and it may be a factor in what coverage you purchase. For example, cars parked on the street in urban areas face a greater risk of theft or vandalism, so you may want to buy comprehensive coverage.

5. Who Else Will Be Driving the Car? Generally, your car insurance will cover other occasional drivers. However, if other drivers live with you and use your car—whether a spouse, a teen driver, or a housemate—they should be listed on your policy.

6. What Are Your Legal Obligations? Early every state requires that you carry minimum liability coverage for your car. At the very least, you need to make sure your policy complies with state mandates. However, the levels of required coverage are generally pretty low. To be safe, you’ll probably want additional liability coverage—keep in mind, if you are involved in a severe accident, you may be sued for a large sum of money.

7. s Your Car Financed or Leased? Suppose you still owe money on your car or have to return it in good condition when a lease expires. In that case, you’ll likely be required to insure the vehicle for its full value—and even for any gap between what you owe and the car’s market value  Collision and comprehensive will cover damage to your vehicle up to its value—and supplemental gap insurance will cover the rest.