Though going without it really isn't an option, car insurance isn't always the easiest subject to understand. To interpret your options and get the best deal, you need a basic understanding of how it functions and what to expect from your auto insurance company.

Buying auto insurance is a little like ordering a gourmet hamburger: once you've got the "guts" of it, anything else layered on top is simply extra.

Food aside, most people purchase the bare minimum in insurance protection for their automobiles. But what they don't know about their auto policy could cost them.

Car insurance is a competitive game, one that demands insurance providers to give their best. If premiums are set too high or service is lacking, they know you'll move on to the competition for the low prices or customer service you're looking for.

If you are in the market for a new ride, it's important to consider all expenses, not just your monthly payment. One of the most expensive aspects of owning a car is, of course, insurance. The car you choose can have a big impact on how much you pay for your insurance premiums. 

An online study done by Insure.com has determined that drivers in Louisiana, Michigan, and Oklahoma pay the highest premiums for auto insurance in the country. Acording to the same study, Vermont had the lowest rates.