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The cheapest insurance rates for your car are not always the best policies for your family, so it's important that you not be dazzled by low rate information and instead focus on creating a policy that suits your exposure to risk, your needs, and your wallet.
Exposure to Risk
If you're in a state that's frequently visited by natural disasters or in an area with a high crime rate, comprehensive coverage may be necessary, because it provides coverage for those things for which you're most at risk. No matter where you live or how you drive, make a list of the risks you're most often subjected to and build your policy around them.
If you have cash in the bank that you can comfortably spend, you might be able to afford a high deductible. If you don't, then a low deductible might be a better choice for you. If you have young drivers at home, you might need a policy that affords you discounts. Look at all your needs and determine the best kind of policy and company to fulfill them.
Lastly, you need to arrange all of your needs within a policy in such a way that it creates an affordable premium. You can help do this by raising deductibles, lowering limits, taking defensive driving classes, and more.