Policies can offer special coverage for limited life insurance, disability, towing, and theft insurance. For example, if your homeowner's policy covers theft, it usually covers items from your car. If you have life insurance and disability, you don't need it on your automobile policy. Take advantage of discounts. Obey traffic and highway laws.
Every infraction counts as insurance points.
Disability Insurance Disability insurance is a must. The odds are greater that you will be disabled before age 65 than that you will die before age 65. The younger you are, the greater the odds. Assuming your medical bills would be covered by health insurance, you must assess what an illness or injury might mean to you in terms of lost income. These last two questions will have a big impact on the amount of premium payment, so consider them carefully.