There are many car insurance options. Knowing what you most likely will need is the key to making sure you are properly covered.
o Do you want coverage for a rental car if your car is damaged?
o Do you want an extended warranty to pay for parts and labor if your car breaks down?
o If your car is leased, you will probably need gap insurance which pays for the difference between what your insurer pays and what you owe on your lease if the car is completely totaled.
If your car was totaled, would you be able to afford to replace it? If not, you will want comprehensive and collision car insurance coverage. The decision to buy this coverage is usually based on the value of your car. Guidelines usually suggest that if your car is worth less than $2,000, it won't be worth it to buy comprehensive and collision car insurance. If you own a $50,000 car though, it would most certainly be worth it to pay an extra $200 annually or so to insure that your car will be replaced if you get in a serious accident.
How much do you want to spend on car insurance? If you know your state laws and have examined your personal needs, now you can put together the different pieces of car insurance coverage in one total policy. The first piece of the policy is almost always liability insurance.