There are certain options that many car insurance policy holders usually agonize over and are never quite sure whether or not to include.

For instance many folks find it unnecessary to take out comprehensive cover where the car is not brand new or so valuable that should anything happen replacement could prove to be extremely difficult and expensive. Comprehensive insurance usually covers damage to the car that does not involve a collision. This could be caused by vandalism or break ins into the car. Comprehensive car insurance also compensates the car owner should his car be stolen.

In other instances many may feel that collision cover is not of absolute necessity. Collision car insurance pays out for damages to the car as a result of colliding with another car or even object. It also covers somebody in the event of a hit and run accident.

Then there is uninsured motorist coverage, which pays for injuries sustained by a driver who does not have insurance. There are those who may find this strange and unnecessary, but the reality is that although auto insurance is mandatory, there are still those drivers on the road who do not have insurance.

So how does one make a decision on what insurance options to take and which ones to leave out? A useful thing to remember is that insurance is for your protection and therefore issues of budget and trying to cut down on your costs in a very big way should not come in. If they are allowed to dictate your decision over these matters then chances are that you could end up paying a very high price for this mistake one day. A useful rule of thumb is to ensure that you are adequately covered and protected against any eventuality no matter how slim the chances of it ever occurring are.