1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    You need liability coverage that conforms to your state minimum required limits. If your car is financed, you will need collision and comprehensive benefits.

    The rate you pay is determined by the car you drive, your age, where you live, and several other factors.

    To find the cheapest rates, as an experienced broker, our job is to do the shopping for you and allow you to utilize our top-rated websites so you can get covered quickly and inexpensively as possible.
    Answered on March 13, 2014
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    You need coverage that will pay the maximum amount possible when you are in an accident.  If the blue book value of a car is low it may be unnecessary to insure it for physical damages (comprehensive and collision.)  Otherwise you want a policy that will pay as much as possible for the bodily injury and property damage that occurs should you be responsible for an accident.  The other important item is selection of the agent with whom you work.  The company and the agent are the ones who will stand by you when you have an accident. 
    Answered on March 13, 2014
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