Having car insurance can be difficult because there are a lot of things that you need and don’t need on your policy. If you have a car that is completely paid off in full, Santa Clara homeowners insurance, it is up to you to choose its unique coverage and how much you are willing to pay for it all the time. If you have a loan on the car, it is required in most states that you carry collision and fire protection so that the loan company is protected if these things should happen while you are paying off the car each month. One of the most important things you should do as a car owner is to look at your policy and see what you do and do not need. Many car insurance companies add things on without you knowing it and you could be paying for these things each month when you don’t even want them. For instance, a lot of companies add on rental car insurance if you ever need to rent a car after getting into an accident. You might also have roadside assistance on your policy without knowing it and you are paying for this each time you receive the bill.