This is the way.

It’s hard though, to just get liabilty on a car if you’re still making payments on it.

It’s gotta be 100% yours with no payments or liens on it.

Then you can go for a nice high liability policy. I’ve always bought older used and just gotten policies to cover OTHER people I may accidentally hit. No collision - If i’m not paying attention and slide off the road into a rock… that’s on me.

I also would add glass and theft to that liability policy. The glass coverage saved my ass a few years ago when I caught a rock behind (what else?) a dump truck.