How To Choose A Car Insurance Plan? 
Contact your trusted insurance agent . If you dont have an agent get a recommendation from a friend , neighbor or colleague . Make sure the agent listens to you . The agent should provide you with the sound advice and information that you need . Carefully weigh the recommendations that the agent makes . Dont accept the minimum state requirements for liability insurance . Insure for much higher limits as those lower limits can easily be exceeded in a law suit . If you have financed the car the lender will require physical damage coverage . The only way that you can reduce the cost of that coverage is by increasing the deductible . 