| Depending on which state you live in, having car | | | | each time you file a claim before the insurance |
| insurance might be optional or mandatory. | | | | company will pay anything. |
| Regardless of the laws, it is a good idea to | | | | You will also have to decide if you want to get full |
| protect yourself by having coverage on your | | | | coverage or liability insurance coverage. Most of |
| vehicle. You never know when a storm might | | | | the time you will need to have full coverage |
| cause damage, your vehicle might get vandalized, | | | | insurance if you have a loan out with the vehicle |
| or you are involved in an accident. | | | | as collateral. With liability coverage only, your |
| It can be tricky shopping around for the best car | | | | premium will be lower but you will only be |
| insurance because you will find you aren't always | | | | covered if you are liable for the accident. Should |
| comparing apples to apples. While one car | | | | the other party be at fault or your car gets |
| insurance plan may offer you a lower premium, it | | | | vandalized your insurance plan won't cover it. |
| may have a higher deductible or offer a lower | | | | If you already have insurance with a particular |
| payout when you file a claim. | | | | agency for your home, start by getting a quote |
| Before you start shopping around, find out the | | | | from them. Most insurance companies will offer |
| laws in your state. If you are required to carry | | | | you a discount if you have more than one type |
| vehicle insurance, find out the details of the | | | | of policy with them. They can even combine the |
| minimum coverage that is required. Next you | | | | payments together for one easy monthly |
| need to decide on the deductible you are willing to | | | | payment. |
| pay. This is the amount you will be responsible for | | | | |