Car insurance (which is the same as auto insurance) covers all types of
road-worthy vehicles, whether you drive a car, a truck, or an SUV.
Motorcycles also fall under the car insurance category if you drive on
public roads. Car insurance requires you to have a valid driver's license for
the type of vehicle, as well as a valid license plate on the vehicle itself, from
your state or provincial government.
You should also be aware: your government requires certain minimum
levels of car insurance be carried by a driver; largely to protect other people.
Like it or not, it's the law to carry this minimum car insurance.
So what can you do to ensure you have the right level of car insurance and no
more? Make sure you understand:
- The car insurance coverages offered
- What you can and cannot opt out of
- The 'extra' car insurances which are best for you
- How to get a car insurance quote from a company
- How much 'risk tolerance' you have
Some of these points a car insurance company or car insurance agent can
help you with. They will know all the required minimum car insurance
coverages. Don't necessarily take anyone's word for granted - sometimes, a
car insurance coverage can be made to sound as if it's mandatory, and it's not.
Check your regional government site if you are getting more than one story.
Then, you need to understand your own needs. What 'extras' you choose and
how much risk tolerance you have for car insurance is your own homework.
This site will help with that.
Finally, when getting ready to purchase car insurance it will be up to you to
get quotes from more than one car insurance company. While you can work
with car insurance agents, most agents only work with a limited number of car
insurance companies. There's no way to be sure that you've really got the
best car insurance quote unless you do some legwork yourself.
Don't forget to check out the reduce auto insurance cost, discount car
insurance, car insurance medical, auto insurance collision, liability insurance,
comprehensive car insurance, uninsured & underinsured, auto insurance cost,
and how much insurance should I carry guides and click on the links above for
auto insurance companies.