Today, however, the scene can be dramatically different. It was the perfect two nights going to sleep with that damnable fan. Box 94060 Baton Rouge, LA 70804-9040report.An auto insurance policy consist of many different kinds of coverage. Most states require you to purchase a policy, but not all require the same coverage. When you finance a car the lender will also have requirements.All insurance companies issue auto policies are for six months to a year. Your insurance company will notify you by mail or email when it’s time for a policy to be renewed and to pay the premium. Many companies sell insurance policies that very in prices and overages, so it would be a valuable practice to shop around. Get at least three price quotes from companies, agents and from the Internet. Your state insurance department may publish a guide that shows what insurers charge for different policies in various parts of your state. Almost every state requires you to have auto liability insurance. Most states enforce insurance directed financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient coverage or assets to cover claims if you cause an accident. If you don’t have enough coverage or assets, you must purchase at least the state minimum amount of insurance. The concept of insurance exists to protect your personal assets. The thought porpoises of “see how little coverage you can get” can be very shortsighted and dangerous. The insurance industry and consumer groups generally recommend a minimum of $30,000 of bodily injury protection per person and $50,000 per accident since accidents may cost far more than the minimum limits mandated by most states. Each state will very on the amount, type, and specifics of coverage that is required.You may need to talk to your insurance agent or their company representative about purchasing higher liability limits to fulfill your personal needs. You may also wish to consider purchasing additional insurance such as an umbrella or excess liability policy. The perched policies pay the cost when your underlying coverage’s are exhausted. Typically, these policies cost between $100 and $400 per year for coverage’s of a million dollars or more. Sometimes if the policy holder has their homeowners and auto insurance with the same company, they can check out the cost of coverage with this company first. If they have coverage with different companies, it may be better for them to buy it from their auto insurance company.In addition to basic liability coverage, consider buying collision and comprehensive coverage to have full auto coverage. Many venerable will decide how much coverage to buy. The coverage reflects the market value of the car and the cost of repairing it may need is damaged.The policy holder will decide on a deductible—the amount. The deductible is the money you pay on a claim before the insurance company reimburses the policy holder. Typically, deductibles range from $250 or $1,000; the higher the deductible, the lower the premium maybe.