And does everyone need it? I was under the impression that full coverage auto insurance would suffice.

own a home, AAA member, etc.

I’ve heard of good student ones, and if you pay a year in advance. Are there some for college grads? I asked the insurance company on the phone, they wouldn’t just tell me the discounts, it was as if I had to read their minds. I just want to know what things I can do to lower my cost of auto insurance. Thank you

I’m looking for a policy that includes lease/loan auto insurance or Gap insurance that will cover the charges for extra mileage, scratches, etc. when I turn in my car at the end of a lease. I’m with Geico currently and despite being told on the phone that I have that coverage, I’m now told that they don’t carry any such thing. I know I’m over mileage so this would really be helpful.