It is always better to insure your car if you have one, especially a new car. Insuring your car means protecting your car. So whatever happens to your car, the insurance company will take care of your car insurance and fix your car if it is damaged because of an accident or other harmful things. The coverage of a car insurance are varies. All risk car insurance is the most expensive because it cover all things such as an accident, lost or natural disaster. Anything happens to your car, does not need to be other fault, your car will be fixed if you take an all risk car insurance.
An all risk coverage car insurance is much more expensive than a not all risk coverage. But you still can save your money if you can find the best car insurance company that is trusted and can give you the lowest rate. A cheap car insurance is not always bad, they can give you better price because of some reasons. As an example, they have their own garrage, so if your car get a damaged, they will fix your car on their own garrage. So you can spend some of your time to hunt the best car insurance company.