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On paper a budget policy is tempting. But when it's tested with a small collision, you may find that that bargain will be like an umbrella riddled with holes. You have to put protection ahead of cost aversoninsurance.

At the end of the day, car insurance is a promise: you put in a little today so some unexpected event doesn't wipe out your savings tomorrow. And on the days that take a turn for the strange that you find out if it lives up to expectations. It could be a driver who isn't paying attention, a rock chipping your windshield, or a scrape in the lot while you are visiting the store for groceries. There is no such thing as a one-size-fits-all when it comes to coverage. The driver who puts in five miles a week has other concerns than the fellow commuting two hours a day, Monday through Friday. Your policy ought to accommodate your routine, not the other way around. Make sure to think about how you drive before you get fixated on the monthly premium. Review your liability coverage limits. A low limit might put a few extra dollars in your pocket each month, but if you are the one at fault in a bad accident, the repair and medical bills will pile up fast. It can leave a financial hole that can be costly to fill. Most people come to regret that kind of decision. Then there is the matter of collision versus comprehensive. The terms are commonly mistaken since they are similar in name, but they address entirely different issues. Collision is for when you cause a collision. Comprehensive is what you want for theft, fire or hail. Think about coming out after a storm to see a tree branch lying over your hood; the distinction is crystal clear then. You should also re-examine your deductibles. Of course, increasing them up will lower the premium cost. But do you really want to be writing a check from your own funds when the time comes? If the deductible would be difficult to afford, the cheaper monthly rate is probably not worth it. And, don't overlook the discounts that are right there in front of you. Whether it is for good grades if you have young drivers, a clean record, anti-theft equipment or a defensive driving course, these things can save you money. Some folks never even put in the ask for them. Might as well leaving money on the table and walk away.