When buying car insurance, it’s a good idea to figure out what sort of coverage you need. Here are some things to consider:
Don’t Get Collision on Older Cars. If you are driving around a clunker, don’t get collision insurance. For example, if your car is only worth $2,000 then don’t pay $500/year to protect it.
Personal Medical Insurance. Do you already have good health insurance? Then don’t buy the Personal Injury Protection option on your car insurance. It’s mostly redundant.
State Minimums. All states require you to have auto insurance for liability reasons. However, the minimum amount is quite low. It usually pays to buy more than the minimum liability coverage. If you hit someone and they decide to sue, the legal bills could be quite high, so make sure you are covered.
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