As a policy holder with gay friendly SR22 coverage, you should choose your coverage levels carefully. Adding a new kind of coverage can cause your prices to shoot up by a lot, so it’s important to only buy what is absolutely necessary. The kind of car you have and how you’re paying for it could affect what you choose.

• My car is old/I have already paid off my car

Once you finish paying off your car, it may be time to take another glance at your gay friendly SR22 coverage. This doesn’t mean you should necessarily do anything, but it should depend on how much your car is worth, and considering how fast new cars depreciate, after four years of monthly payments, that may not be very much. Take a look at Kelley’s Blue Book to find out the value of your car. If it turns out to be less than $2000, you might cut yourself down to only the minimum levels of state required coverage.

• My car is new/My car is expensive/I am still paying off my car

If you have a new, expensive car, or a car you are leasing or financing, you probably want to have collision and comprehensive coverage. If you do, then you can save money by raising your deductible to at least $1000, but preferably more.