Just like other types of insurance policies, it is crucial that you choose the right one for you. Not the cheapest, nor the one with the most features, but the right one that's suited to your needs. Why is this important? For one, the cheapest policy might not provide you with adequate coverage when you need it, thus defeating the purpose of why took out insurance in the first place. Meanwhile, getting a policy with too many features might lead you to pay too much for things you don't really need.