yes, u need to have full coverage it protect u as well.. yes the year has something to do with it.. the mileage on the car has no effect.. how far u travel each day does,
plates? no.. that has no effect..
tickets ..? yes..
full coverage? yes

ins co? try several and don't necessarily take the cheapest one..!!! YOU get what u pay for, and if u are in a accident, then u want to be treated correctly..
good luck, my friend, happy holidays.