Car Insurance

 Car insurance (which is the same as auto insurance) covers all types offroad-worthy vehicles, whether you drive a car, a truck, or an SUV. Motorcycles also fall under the car insurance category if you drive on public roads. Car insurance requires you to have a valid driver's license for the type of vehicle, as well as a valid license plate on the vehicle itself, from your state or provincial government.

You should also be aware: your government requires certain minimum levels of car insurance be carried by a driver; largely to protect other people. Like it or not, it's the law to carry this minimum car insurance.

So what can you do to ensure you have the right level of car insurance and no more? Make sure you understand:

• The car insurance coverages offered
• What you can and cannot opt out of
• The 'extra' car insurances which are best for you
• How to get a car insurance quote from a company
• How much 'risk tolerance' you have

Some of these points a car insurance company or car insurance agent can help you with. They will know all the required minimum car insurance coverages. Don't necessarily take anyone's word for granted - sometimes, a car insurance coverage can be made to sound as if it's mandatory, and it's not. Check your regional government site if you are getting more than one story.