Choosing the right car insurance is like picking a pizza—it all depends on whether you're still paying for the pie if it's already yours! If you're financing your ride, the bank usually insists on Comprehensive insurance or at least some coverage for theft and write-offs—because they want to protect their investment, not your pizza party! But if your car is fully paid off, you can go and pick the insurance that fits your taste and budget—just like choosing extra cheese or pineapple!