I have 2 cars, a 2006 Ford Taurus and a 2016 Chevy Cruze. My current agent said both need to have full coverage, I don’t understand why. I also have somewhat bad credit, so I think they are charging me more. I also think they have items on my policy that I don’t need. I really want to save money on car insurance. My full term policy premium is $2017.00. HELP!!!