Car insurance is a major cost of owning a car. But plenty of Americans buy more than they need. Here is now to find out what you should really pay for—and where to save. The average American driver now spends around $190 per month on auto insurance, up 4% from $182 in the past year, according to the Federal Reserve. Common types of insurance include liability, uninsured motorist coverage, personal injury protection, as well as comprehensive and collision insurance, to cover everything from hurting another driver in an accident to storm damage to your car. But, depending on your vehicle and your financial situation, you may not need all of these types of coverage. Reducing your coverage amounts and cutting back on optional coverage types like collision and comprehensive can lower your monthly premiums.  We’ll guide you through how to decide what car insurance works for you––making sure you get the coverage you need without breaking the bank. Read more