These are questions that I need to ask myself every single month when I get my insurance quotes. I have found over the years that the questions that I ask myself have led me to make the right decision more than time. Here are some of the things that I ask myself. What kind of vehicle do you own? Do you own an expensive sports car? How many miles per year do you typically drive? Where do you reside? What is your driving record? Some states require you to carry state minimum liability coverage, and other states require you to carry auto insurance that meets their state minimum liability coverage requirements. If you do not currently carry auto property damage liability insurance and you own an expensive car, then you need car insurance that covers both bodily injury liability insurance and motorist insurance coverage. Some states require you to carry both at all times, while other states only require one. Be sure to research your state’s minimum requirements for each type of coverage that you need. The cost of your premiums depend on your location, so if you reside in a major metropolitan area, you will pay much more than someone who lives in a smaller, rural area. If you use your car for work related tasks, then you probably need car insurance that covers you for any personal liability or bodily injury that you might cause while driving your job vehicle. In addition, your coverage should also cover you for any damages that occur due to an accident, and you may be required to pay your own medical bills, too. However, most employers offer this type of coverage as part of their benefits, so make sure you ask about it when you apply for your job. In most cases, this type of insurance policy is very affordable, especially compared to the cost of having an accident and then paying medical expenses. If you are a New Hampshire resident, and have a vehicle that is over twenty years old, then you need car insurance that includes collision and comprehensive coverage. This type of policy pays for damage that you cause to another vehicle, as well as the repair costs for any cars or vehicles that you damage as a result of an accident. You should purchase both liability and collision and comprehensive coverage, and no matter what type of driver you are, you should always have this type of insurance cover. If you do not have this type of insurance, you could be sued by the other party that was damaged or injured, which means that you could be financially ruined if you were found at fault for the accident. You should check with your state minimum requirement for car insurance policy coverage, and you should consider the uninsured motorist provisions, which will protect you against being sued by a third party. The uninsured motorist provision in your New Hampshire car insurance policy will ensure that you do not have to worry about being sued by anyone who was not injured in an accident that you caused. This protection can help you to get through the rough times, but it can also help you to save money in the long run. In order to determine your state minimum requirements, you will have to contact your insurance agent. When you are an injured party in an accident, and you need help pay medical bills and other expenses, then you may want to consider purchasing the additional coverage known as “aggravated vehicular negligence”. This coverage will help pay for medical bills, pain and suffering, as well as other out-of-pocket expenses that you incur as a result of being in an accident. This coverage will also help you to keep your vehicle on the road, and it can sometimes be the only way to get your vehicle to get repaired in a timely manner, as some damaged cars cannot be repaired quickly due to their extensive damage. There are many other types of insurance covers that you can purchase for your New Hampshire car. Although the minimums required by your state may vary, you can find plenty of coverage options that will make sure that you have the coverage that you need to protect you and others when you are involved in an accident. Each of the auto insurance covers that New Hampshire residents purchase is designed to protect you and others. With the minimal medical bills, property damage, and liability coverage that you purchase, you can rest easy knowing that you are protected against financial ruin if you are ever involved in an accident.