Car insurance is not one decision. It is a stack of decisions. Your state sets a legal floor. Your lender may add requirements. Then you still have to decide how much liability protection, vehicle protection, medical coverage, uninsured-driver protection, and optional extras make sense for your finances.
That distinction matters...
In my 25+ years as a planner, I've seen more families financially crippled by what was not in their homeowner's policy than by stock market crashes. Not only do I live in South Florida, but so do many of my clients. So unfortunately, I know more than most...
Last year, a client called me minutes after his brand-new Ferrari Roma was sideswiped. His first question wasn't about the damage, but about the process. He was terrified of a four-month repair that would use the wrong parts and kill his car's value.
That fear is exactly why this guide...