One night, I saw my husband busy doing business transaction online. It was the time of the year, when he needed to renew our computer warranty and our car insurances online. I was the one who compared the quotes from different cheap auto insurance online and after getting the best policy for our car my husband did the application process. We did not get the comprehensive insurance since our car is a decade old already.
We just have the minimum liability as mandated by the government and the Personal Injury Policy. If the car gets totaled it is better to buy a new one than continue paying for the extra coverage for an old car. And we do not anticipate massive car destruction since we do not frequently use our car, we have a home business. We just use it when we go out for dinner or buy some groceries and home needs.