How often should you shop around for renters insurance?

I was in a pretty nasty car accident the other day. I wasn’t injured and my 2013 Ford Fiesta seemed mostly intact. But something about the exact angle and time of the impact really did a number on my transmission of all things. Now I think it’s going to need replacing. How much would that usually cost?

My future ex-spouse wants to keep the Jeep that we bought during our marriage, and we've agreed to this, but my name is still on the loan. How do I ensure that I'm not responsible for loan payments after our divorce?

I just bought my first motorcycle, and I need to insure it before I get on the road. I was thinking of just getting the Virginia state-minimum requirements because I don't plan on driving too much until I'm comfortable. Should I do this?