One typical problem faced when looking for gay friendly auto insurance for your vehicle is, well, the price. How you deal with this depends on what kind of car you have, but either way there’s something you can do.

• Financed car, new car, expensive car.

If you’re financing a car, then you may be required to have collision and comprehensive coverage in addition to what’s required. You may also want to have this if you have a newer car or a car that’s worth a good chunk of money. Since you have to pay for extra insurance, you can save a lot of money by taking more responsibility for losses. You can do this by raising the deductible on your comprehensive and collision coverages. At the least, your deductibles should be $1000, but the higher the better. Just make sure it’s enough for you to afford.

• Old car, junk car, broken down car, unused car, cheap car.

If your car is paid off, isn’t worth very much, or isn’t used very often, then you can forgo buying extra coverage and just limit yourself to what’s required. Even then, you can lower your liability and possibly no fault coverages to the very minimum amount required by your state. If your car is worth $2000 or less, you should consider doing this.