| If your car now has about 100,000 miles on it, you | | | | must, it's not for your protection, it's for the |
| may question whether you need comprehensive and | | | | protection of the people you might hit. |
| collision as well as the liability insurance. | | | | Collision covers the damage on your automobile, |
| Obviously, liability insurance is an absolute must, but | | | | comprehensive covers things like grit glass breakage. |
| you're at the breakpoint where collision and | | | | Comprehensive is probably one of the better buys in |
| comprehensive may not be necessary. However, | | | | automobile insurance. You could do without it, but for |
| even a car with 100,000 miles on it needs the collision | | | | what it pays, is usually worth the cost. |
| insurance unless you have enough cash in the bank | | | | Remember also that if your medical insurance policy |
| to fix it in the event of a major accident. Remember, | | | | excludes automobile injuries, you need to carry some |
| it's not much cheaper to replace a fender on a | | | | kind of hospitalization health plan on your automobile |
| five-year-old automobile that it is on a one-year-old | | | | policy. Before you buy any insurance on your vehicle, |
| automobile, the costs are essentially the same. | | | | check thoroughly. |
| You might say, "well I can drive the older car even | | | | When you buy a car, avoid buying your insurance |
| though it's banged up." And that's probably true to | | | | through the dealer or through the lender. Shop for |
| some degree, however, some of the banging may | | | | your own insurance. You can use the Web and shop |
| be so severe that you wouldn't want to drive it | | | | one of the insurance evaluation web sites. |
| around. It might even be dangerous. Liability is a | | | | |