You have to have insurance if you own a car. You have a lot of different options when it comes to your insurance options.

If you’ve been thinking about adding aftermarket parts to your car, speak with your insurance company to find out exactly what and how much they pay if your car was in an accident or stolen. Insurance frequently does not provide coverage for these parts, but only the difference between the value of the car with and without those parts, which is often not a lot.

When shopping for insurance for a teenager, compare the difference between …