---
id: guide-0028
title: "What to know about insuring your new vehicle"
category: guide
subtopic: insurance-basics-guide
page_type: guide
source_url: "https://www.genesisofdownersgrove.com"
tags: ["guide", "insurance", "coverage", "protection"]
questions:
  - "What insurance do I need?"
  - "How much car insurance should I buy?"
  - "When do I need insurance?"
  - "Full coverage vs liability"
related: [gap-protection, extended-coverage]
dealer: Genesis of Downers Grove
---

Vehicle insurance is both legally required and your financial safety net-understanding the basics helps you make confident choices.

## Coverage types explained
Liability covers damage you cause to others (legally required). Collision and comprehensive cover damage to your own vehicle from accidents, theft, weather, and other events. Uninsured/underinsured motorist coverage protects you if you're hit by an uninsured or under-insured driver.

## When to get insured
You need active insurance before you drive off the lot-many dealerships won't release your vehicle without proof. If you're financing or leasing, your lender may require full coverage (collision and comprehensive).

## Finding the right amount
Work with an insurance agent to balance coverage levels with your budget and risk tolerance. They can help you understand deductibles, bundling discounts, and options like gap insurance or roadside assistance.

Once you've chosen your vehicle at Genesis of Downers Grove, our finance team can explain how coverage ties into your purchase. Call **(630) 598-9950** with any questions.