Ноw to choose the optimal insurance program for yourself and your family?

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In order to get maximum confidence in your funds, like me, you need to make insurance for your property and funds. But is it worth buying insurance from the best companies and where the prices are the highest? Because, for example, if you have a car for $5,000, should you pay an insurance premium of $300 or more a month if you can get it for $100, but with fewer benefits?