Every time I watch TV all I see are car insurance ads, save $300, save $400, etc. In my mind, insurance is the greatest scam, or money making machine if you are the insurer, in the entire world.
Basically you are paying for protection in case something in the future occurs. If that something never occurs then it's just money that was thrown away. You can say to yourself, yes ok, but what if something had happened? Well if it didn't, it was a waste, period.
Anyways whether it's important or not is not really the issue, because well all know it is LAW to have your car insured. The amount of coverage required varies by state.
So how do you really find cheap insurance?
STEP 1
Go to the website for your states DMV office and find out what the state requires as the minimum coverage. The reason you do this is because by default most insurer's "minimum coverage" packages require much more than what the state says you need. Why do they do this? Well it's simple, they want to make money of course!
STEP 2
Go online and find a reputable insurance company. Anything that let's you customize the options online will work.
STEP 3
Set the options to what the state requires. Feel free to play with them if you want a little more coverage.
That's it!
I hope this has helped someone out there!
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