6. Since I don't own a home I was going to add it to my parent's coverage (Allstate). Basic liability (30K/60K) comprehensive - cash value (0 deductible) collision cash - value (750 deductible) uninsured motorist (30K/60K) new car something something = $710 for 6 months. I was going to do state farm but they don't offer the new car gap insurance type deal. I figured I need it for at least a year or two in cause I total it.