What Kind Of Auto Insurance Do I Need? 
You need the type of auto insurance that will provide the specific benefits that you are required to have at the lowest possible cost . However , keep in mind that stat minimum limits are simply a benchmark of coverage so you can comply with the law . If you can afford higher limits , they should be strongly considered . If you have an older vehicle , of course , you will not need collision coverage which will help your premium . You may decide to eliminate comprehensive coverage as well . Specialty or antique vehicles will require special policies or riders . Shopping and comparing will help you find affordable car insurance from top-rated companies . Yes , there are a few dozen very reputable carriers and doing the research is not fun . Experienced brokers and reputable websites can save you time and money . There is no fee and the level of expertise and unbiased help is high . 