Before shopping, it helps to know if you even need insurance. Here are some questions to ask yourself.

1. Am I looking for insurance in cases of accident, sickness or disability?

Many people need car insurance to cover unexpected medical expenses if they are injured on the job. Others need it to help pay for high-priced driving trips to reclaim their Friday night activities. Others don't need it because they have all their insurance coverage in place and were never planning on driving anyway. Regardless of your specific needs, the first step is determining whether or not you need insurance and if you do, where you want it.

2. Am I shopping around for single, tri-party or multi-party coverage?

Many people will obtain insurance through their employer. Triple and tri-party coverage are packages packaged and sold by independent insurance companies. Basically the insurance company does as much of the work for you as possible and it is likely your employer will have a discount program and you can pay lower premiums. Triple and tri-party coverage are likely to cost more, but providing less coverages. You want coverage that will meet your needs as well as your employer's needs.

If you are married, consider whether one spouse should be responsible for the auto insurance. If you have dependents and are insurable without a step-up plan, consider whether you make enough to qualify for extra coverage through your employer. Keep in mind that you might need to have your spouse' permission to borrow the money to purchase coverage. Congressman¶ Healing has introduced a bill to make it mandatory for children under 18 to get an insurance policy or have their parents obtain rating before an insurance policy can be purchased.

3. Am I looking for a coverage for my young son or daughter?

young child coverage prevent college students from being bombarded with late fees if they are in a pay parking lot before their class at a college. It will also protect you if they have a car accident or involve an incident where they may have to parking space from a relative.

4. Am I looking for a coverage for my spouse or domestic partner?

The policies you pay for include a partner statement in which you must give your name and address. The policy will state if you pick up the policy or if you must go through the mail. If you were married and then separated or divorced the coverage will not apply to you, but if you were married and are still legally married, then if yo