Hello, I think I know what can help you. While driving (more than 5 years experience) I tried many different insurances and at the moment I settled on Select Auto Protect https://roboticsandautomationnews.com/2023/01/07/select-auto-protect-a-comprehensive-review/58949/ , there are 3 levels of insurance, I use the maximum one, which covers all cases, so I have nothing to worry about my car. If you are interested, you can find out more details in this review. Hope my answer helps you. Good luck!