Where To Go For Cheap Car Insurance? 
Good insurance is n't cheap and cheap insurance is n't good . The higher the limits and the more coverage you purchase , the more you will pay . Does someone living in an apartment with few assets and an older vehicle need a 5 million dollar umbrella over a 500 thousand dollar auto liability policy ? Not unless he/she is a brain surgeon who lives an extremely frugal life . But think about it , if the apartment dweller mentioned liquidates everything he/she has into a pile of cash , how much would be in that pile ? Let 's say $ 100,000 A lawsuit can not get blood out of a stone , but the award from a lawsuit one loses can result in one or moreliens on current and future income and assets -LRB- within limits -RRB- . The lower the liability limits one purchases and the more restricted the coverage , the lower the premium . Never buy insurance by price until you are comparing two identicalcoverage packages - and then be very waryabout the exclusions or differences in the fine print -LRB- forms and endorsements -RRB- between the policies . Definitely secure the services of a competent agent or broker that knows their insurance . The ten or fifteen percent commission you pay them will be worth a hundred times that when you purchase the correct policy based on your exposures . 