Motor insurance policy terms can be confusing for most people and you may end up paying for features you do not need or worse, be stuck in a situation where you are put at great financial liability. So, make sure that you know exactly what you are paying for and what you are getting in return. How are rates calculated? Policy premium rates will most likely depend on the model of your car, your current driving record, you history with insurance as well as the features of the policy that you sign up for. Always research every aspect of the plan that you intend to sign up for and enlist some help if you have trouble with some features. Who is covered? While most policies will assume that you are the sole driver of the car when you sign up, you should take the time to check it and include ......