Friends who might borrow your car once in a while.
Many companies won't apply discounts unless you ask for them specifically. Inquire about: 8 questions to ask before buying auto insurance | III questions to ask when buying car insurance
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Protects you if you're hit by someone with little or no insurance. 2. Who is covered to drive my car? $500 vs. $1
Ask for a range of deductible options (e.g., $500 vs. $1,000) to see how much a higher deductible reduces your monthly premium.
If you use your car for work tasks like deliveries or ridesharing, you may need separate commercial coverage.