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When it came to car insurance my motto used to be \u201cthe cheaper the better.\u201d I knew nothing other than I needed to have insurance in case I was involved in an accident.<\/p>\nWhen it came to car insurance my motto used to be \u201cthe cheaper the better.\u201d I knew nothing other than I needed to have insurance in case I was involved in an accident.<\/p>\n
I didn\u2019t understand that the low premium that came with state minimum coverage could\u2019ve destroyed me financially. (Especially since my state, Ohio, has ridiculously <\/em>low state minimum requirements!) I didn\u2019t know the difference between comprehensive and collision and I sure as hell didn\u2019t know what my deductible actually meant.<\/p>\n Then, when I become an insurance agent I got a brand new outlook on insurance. It turns out the car accidents and the need to actually use insurance is much more prevalent than I had thought. It also turns out that the people who, like me, went for the cheapest price didn\u2019t have enough coverage to pay for a seemingly minor accident and were left with quite a big bill to pay on their own.<\/p>\n Since this time my motto has changed to \u201cget the best car insurance rates for the best coverage possible.\u201d Here\u2019s how you do that.<\/p>\n Every state will require you to have at least a certain amount of minimum coverage. This amount of minimum coverage varies greatly from state to state.<\/p>\n In trying to save money on car insurance it\u2019s tempting to request the state minimums but doing this could have dire consequences, especially if you have any type of assets that you want to protect.<\/p>\nUnderstand Your Coverages<\/h2>\n