Owning a good car insurance policy is as important as having a good health insurance policy - in case something happens to your vehicle or to you while driving it you will be able to avoid selling your car, and your house to pay someone else's medical bills or even your own. In some cases you are offered a car with car insurance already included, but you need to be aware of the fact this is most likely only a basic insurance that will cover many possible scenarios that may occur. Therefore, it' worth thinking about what you need from your insurance policy and then talk to your agent to make sure all the options you need are included. You can get several different types of car insurance, and they can be combined if you are ready to pay more in monthly premiums. Personal protection coverage, for example, will help you pay the bills if you get injured in some accident, no matter who was at fault. Collision coverage is something you will need to repair the car that got into an accident, although you may consider dropping it if you have a very old car and it's not worth it, as collision coverage comes with a deductible. There is also comprehensive coverage that will help you protect you vehicle against any other happenings other than accident - if your car gets damaged by vandals, burnt etc. You can also get liability for property damage and liability for personal damage - in both cases you will not have to pay for any damage you have done (while driving your car) to other people. Meanwhile, the costs may be significant, as only hospital bills of someone who suffered because of your vehicle can reach hundreds of dollars. You may need professional advice when shopping for your car insurance as all the types mentioned can also have different aspects that need to be taken into consideration.