It is a non-negotiable.
You have to have at least the minimum amount of insurance required in your state to be able to drive your car.
There are steep punishments that include the revocation of your driving privileges if you are caught without ample insurance.
And besides, it only takes one serious accident for you to realize the value of having an ample amount of coverage.
You do not want to wait until this happens before you take notice of your need.
Taking time to sit down and figure out exactly how much car insurance you need and can afford will help ensure that you are not wasting your money at all.
There are certain things you need to keep in mind when you are getting car insurance.
You might find that paying attention to these things would influence the kind of premiums you will be charged for your car insurance.

1. The safer your car is, the less expensive your premiums will be.
   If you do not yet have a car to insure, you have to make sure that the car that you choose to buy is one that is considered to be safe by insurance companies.
   Statistics show that family cars are less prone to accidents that sports cars or SUVs.
   And therefore, actuaries take this into consideration and levy higher premiums on cars that expose them to more risks.
   
2. Choosing higher deductible amounts will shave some dollars off your car insurance premiums.
   The deductible amount is the amount that you will have to shoulder before your car insurance company will pay anything towards your coverage.
   You could get a policy that covers a property damage liability of up to $75,000 with a $1,000 deductible amount.
   The same coverage will have lesser premiums when the deductible amount is adjusted to $2,500 as it reduces the amount of risk the insurance company takes on.
   
3. Having a young driver as one of the named drivers in your insurance policy can have a negative impact on your car insurance premiums.
   Younger drivers are generally considered to be risky because of inexperience or because of bold behavior.
   Being able to show that the young driver you want included in your policy does not have a bad record would reduce its negative impact on your premiums.
   Information showing that your young driver has gone through enough hours in driving school, has never figured in an accident, has never been reprimanded in school for bad behavior, and has proven to be a good citizen would be a good idea to include in your application.
   
4. The minimum amount that your state requires that you purchase in car insurance is rarely ever enough for serious accidents.
   You cannot expect your car insurance policy to cover all the expenses you need to pay for if you figure in a serious accident.
   This is not normally an issue that people, especially those who are confident that they are not in any danger of getting in an accident, concern themselves with.
   But, there really is no telling when, how, or to whom an accident will happen.
   See how you can boost your protection given your available funds.