 TITLE: Step-By-Step Checklist for Getting Car Insurance CONTENT: Decide How Much Car Insurance You Need\n--------------------------------------\n*   Most states require a minimum amount of liability and uninsured\/underinsured driver insurance. That's a good starting point when deciding on coverage.\n*   Leased or financed cars must have comprehensive and collision coverage as mandated by the lender.\n*   If your car is older, collision and comprehensive insurance may not be worth the cost; the most they'll pay out is the total value of the car.\n*   If you own your home or have other assets, consider adding umbrella insurance to protect them.\n*   Review your budget to estimate how much insurance you can afford.\n*   Aim to strike a balance between your budget and your insurance needs. END