Many people ask themselves this question when they are about to purchase a cell phone. The answer is not an easy one to find. There are many factors that go into the decision of which plan will best suit your needs and lifestyle.
The first thing you need to consider is if you want a contract or prepaid plan. Generally, the contract will have better coverage, but it will also be more expensive and require a credit check in order to get approved for it. If you don’t want a contract, then the prepaid plan may be for you. It has its drawbacks, such as having less coverage and not being able to change carriers if needed, but it can be cheaper than signing up for a contract that's locked into one carrier only.

Auto insurance is a product that protects both the vehicle and the driver.
Many people opt for auto insurance because they believe it is mandatory. However, there are other types of car insurance policies that cover different types of risks. For example, comprehensive coverage will provide protection if your car is vandalized or hit by an animal, but it won’t cover damages incurred in an accident with another motorist.
The type of coverage you need depends on the type of driver you are and what risks you're exposed to.