Each year, you should take the time to review your auto insurance policy to make sure it is still meeting your needs. Read this article to determine whether you have the right car insurance.
Use A State Buyer's Guide
One resource that you should use to determine whether you have the right car insurance is the state buyer's guide. Most states release a guide to help car owners purchase auto insurance. The guides are detailed and provide a thorough explanation of collision and comprehensive insurance, as well as property damage. These guides also provide information about the minimum required coverage. It is particularly important that you reference the state buyer's guide if you recently moved to a different state. Your current auto insurance coverage may not be sufficient for the state in which you reside.
Read Reviews 
You should also read reviews online to help you decide whether your car insurance policy is right for you. Many people publish reviews of car insurance companies on such social media websites as Twitter and Facebook. There are also blogs and websites where you will find many car insurance company reviews. Use the hashtag for your car insurance company to search for reviews on Facebook and Twitter. You can also refer to the Better Business Bureau, the Center for Insurance Policy and Research, and the National Association of Insurance Commissioners to look for complaints against your auto insurance company.
Get More Quotes
Get quotes from other car insurance companies so that you can compare your policy to other policies. Not only should you consider price, but you should also consider coverage. Don't just go for the car insurance policy that is the cheapest. Chances are, the cheapest car insurance policy will not be worthwhile when you take the amount of coverage into consideration.
Many car owners have a hard time figuring out whether their car insurance policy is truly right for them. But there is plenty of help available to you. For more information about how to determine whether you have the right auto insurance, don't hesitate to contact us.
Source:
https://money.usnews.com/money/personal-finance/articles/2013/09/18/do-you-have-the-right-car-insurance