Insurance is something that seems like an option in most cases but when it comes to automotive insurance it is essential.
  The law requires individuals to have auto insurance if they own a car and are driving it; this protects other drivers in case they cause an accident.
  There are a couple different types of car insurance and depending on which one a driver chooses their costs could be much different.
  The most common type of Auto Insurance is liability, which covers a driver in case they cause an accident and need to pay for the damage they inflicted.
  This is the type of insurance that is required if an individual wants to operate a motor vehicle in the United States.
  The other type of auto insurance covers the policyholders own car and health in case they get into an accident and it's their fault.
  This way you will pay a hefty premium which is usually a percentage of the damages but will not have to cover the entire expense.
Auto insurance premiums and fees change depending on the type of car and the driver; typically the more expensive your car the more it costs to insure.
  For drivers your insurance goes up if you've had prior accidents, are under the age of 25, or have gotten another type of offense on your driving record like a speeding ticket.
  Depending on where you park your car at night, you can also have higher insurance simply because of statistics relating to theft or an accident.
  Someone from Seattle, Washington, could have the exact same driving record and vehicle as someone from Phoenix, Arizona, but because there is such a higher theft rate and red light running problem in Arizona the Phoenix driver would pay a higher rate.
There are many factors affecting automotive insurance but it is important to find a plan, which meets your specific driving needs.