A step-by-step guide to choosing the best car insurance policy for your needs Written By Written by Insurance Staff Writer, WSJ | Buy Side Kimberly Lankford is an insurance staff writer at Buy Side.

The average American pays $2,676 per year for full coverage car insurance, according to Bankrate. But your personal costs depend heavily on where you live. In some states, average premiums top $4,000 ...

Taking a defensive-driving course is one way to get a discount on car insurance, Bell said. So are "telematics" programs, which allow the insurer to track driving behavior and offer policy discounts ...

Before you hit the road, it's vital to know what will actually cost (or save) you money ...