It doesn’t matter if you don’t like your car that much; you still need to get it insured. A lot of people think that car insurance is just for the car and nothing else, which is very wrong. A car or motor insurance not only protects the vehicle. More importantly, auto insurance protects the passengers and the driver of the vehicle. Now that you know what peace of mind and relief having car insurance can give you, you need to take the next steps in getting your own policy. Probably the most frequent and primary question that you need to ask is how much car insurance coverage do you really need? There are a lot of things to consider before deciding on your policy and the following are just some of the most important ones.

You need car insurance coverage that is comprehensive. By comprehensive, this means that it protects your car (or the car of the other party involved in the collision) and you (everybody aboard your car or the car of the other party involved in the case of an accident). Study the policy well because coverage will always be limited to whatever terms and conditions you and your insurance company agreed to. The deductible plays a big role in this policy so consider this one carefully. The deductible is what you need to pay before the insurance company pays for damages. For instance, you agreed to a $500 deductible and your car sustains damages for $1500. You need to pay the $500 deductible first before your policy covers everything after the deductible is met depending on the terms.

So how much car insurance coverage do you really need? It depends on your priority. Choices are varied. You can choose a policy that protects other people if you happen to be at fault, you can choose a policy that protects you and everybody on board but leaves damages you have caused for you to shoulder alone. You can also get a car insurance that does not only apply to collisions (like theft and other causes) and protects you in many ways. Whatever it is you opt for, the deal is to find a comprehensive plan complying with all your needs. Consider the neighborhood you live in, your driving skills, how many people you often ride with and a whole lot more. It is in a lot of ways a matter of preference and of course financial capability, but more so it is about what you value most in your life that you would want so desperately to look after.