Depending on which state you live in, having car insurance might be optional or mandatory. Regardless of the laws, it is a good idea to protect yourself by having coverage on your vehicle. You never know when a storm might cause damage, your vehicle might get vandalized, or you are involved in an accident.
It can be tricky shopping around for the best car insurance because you will find you arent always comparing apples to apples. While one car insurance plan may offer you a lower premium, it may have a higher deductible or offer a lower payout when you file a claim.
Before you start shopping around, find out the laws in your state. If you are required to carry vehicle insurance, find out the details of the minimum coverage that is required. Next you need to decide on the deductible you are willing to pay. This is the amount you will be responsible for each time you file a claim before the insurance company will pay anything.
You will also have to decide if you want to get full coverage or liability insurance coverage. Most of the time you will need to have full coverage insurance if you have a loan out with the vehicle as collateral. With liability...