Getting car insurance is necessary and it is illegal to drive around without one. As there are different rules and regulations working in different states, it is essential that one knows the laws pertaining to car insurance in their state or the area where they intend to use the vehicle. They not only need to buy the best insurance product, but also need to make sure that they are getting it under the best value possible. There are a far higher number of vehicle owners with either over insured products or under insured ones. As a buyer, it is essential that you know the respective premium for each policy.