What Type Of Car Insurance Is Best For Me? 
All insurance auto policies are the same they all have liability which is damage to other . Then you have optional coverage of un insured and under insured and medical pay then of course the option of `` Full '' coverage which really is not the best choice of words for coverage but that is coverage that repairs your auto in the even of a loss minus the deductible . The best coverage would be to have higher limits and full coverage . How ever you budget needs to thought about also . If you are purchasing all the coverage and ca n't afford the higher deductible then full coverage may not be the best option for you . Before you ever purchase a car or insurance shop around call a local agent and discuss what options you have . Many agencies demand that you have certain limits which is recommended to have the higher limits but it is pointless if you ca n't afford the higher limits because if it means eating or insurance well you going to choose food . Talk to an agent who will listen to your concerns and find you the most affordable rate and coverage that your desire . Online quotes can sometime be lower but the service sometimes is not as well as an agent example at our agency you can reach us 24/7 we never want you to ever have to call a 800 number and talk to a stranger . 