Different cars ask for different car insurances. Imagine you are the proud owner of a brand new sports car that you have saved for for many years; you would want to have a different coverage in case anything happens to the car than when you would be the (not so proud) driver of a trashed pile of scrap metal.
Obviously, you would have to pay a higher monthly insurance premium for the sports car than for the old rust bucket. If you crash your new car and you have chosen the right insurance for your vehicle, chances are that all of your damage, or at least a greater part of it, will be reimbursed by the insurance company, because that is what you have been paying them for. For an old, rusty car, you will probably choose to pay a lower insurance premium, because your vehicle will not be worth much anyway. If you bring damage to another party by driving into something or someone, you would want these expenses to be covered, but there is no use in paying extra for coverage on damage if loosing your mirror would already mean you have totalled your car.
To make sure you get the insurance that best suits your situation and your vehicle, you can compare car insurances online. Also, it is worth the time to compare the prices. Some insurances provide the same coverage for a lower insurance premium, so a little research could save you a lot of money.
But the best advice of all when it comes to cars: drive safely, so you won’t cause any damage and don’t have to turn to your insurance company at all.