How To Get A Good Car Insurance Quote? 
This really depends on your definition of `` Good '' . For this discussion , I 'll assume you mean low cost . Now , I 'll also preface my answer by saying that `` low cost '' is different than `` cheap '' . I 'll never recommend cutting important coverage to save a few dollars . There are ways to help reduce the cost without cutting those coverages . The important coverages to which I refer are the Bodily Injury , Property Damage , Uninsured and Underinsured Motorist coverages . These could save you from a lifetime of payments or wage garnishments if you 're ever sued because of a car accident . So , that leaves the physical damage coverage -LRB- comp and collision -RRB- and , possibly , personal injury protection . Collision : This covers your car from damage because of an accident . There are two types I will define here . Broad Form means that you 'll only pay your deductible if you 're substantially at fault in an accident . Regular means you pay your deductible either way . As you can probably assume , regular will cost less and , in my opinion , should be what everyone carries . Comprehensive : Covers your car from damage that is `` not a collision '' For these two coverages , increasing your deductible lowers the premium . I usually recommend at least a $ 500 deductible for collision . For comprehensive , the difference between a $ 100 and a $ 500 deductible is n't very much so I usually recommend a $ 100 deductible . Personal Injury Protection pays for your medical bills and lost wages if you 're hurt in a car accident . If your health insurance will pay primary for a car accident , you can save a little bit of money by having them pay first . Do n't skimp on the liability coverages . They 're the smallest cost with the greatest potential for saving your bacon . Getting these coverages right will only cost you a few dollars a month . Be smart , find an agent you can trust , and take their advice . You 'll be happy and save money in the long run . 