If its time to renew your car insurance policy or you are planning to buy car insurance then shop around. Car insurance premiums on the same car model with same coverage vary according to the companies. The insurance rates vary according to different states regulation of car insurance rates.

You can choose from various car insurance policies according to your need. Liability insurances cover physical injuries and property dents to others caused by the car owner or drivers who are not excluded from the insurance contract. So this is mostly useful when the driver is young or new.

Comprehensive car insurance policies cover repairs and replacements of the insured car by circumstances other than accidents like loss due to theft, fire or hail. These come with low premiums but should only be opted, if your car is not expensive and you are an experienced driver.