Automobile insurance is a legal necessity, but that doesn't mean all policies and coverage are alike.

In most parts of the United States you can't drive a car without proof of automobile insurance. In this chapter, we'll show you how to find the best deal on auto insurance, how to check the customer service record of your insurer, what all the terms on your policy mean, and how you might lower your premiums. Sometimes the cheapest policy isn't the best -- and after reading this chapter, you'll know how to find the best one at the lowest price.

What can you expect to learn from this chapter:

Finding the best deal on auto insurance   The insurance company will check you out before insuring you. Here's how you can check them out for discounts, premiums and customer service. What the insurance terms really mean   In plain language, we explain collision, comprehensive, property damage liability, bodily injury, uninsured motorist and personal injury protection. Details make a difference   Beyond the basic coverage, see if your policy provides for things such as gap insurance and an umbrella policy. Plus, read tips to help you lower your premium. Chapter 2 quiz   Did you learn enough to find the best policy? Test yourself.