HOW DO I SELECT THE TYPE OF INSURANCE COVERAGE THAT I WANT?      After completing the application, you will be provided with a Coverage Selection Form. The form will state what types of insurance coverages are available and what limits you may purchase. You will be advised about any options (which are choices for additional coverage) or deductibles (which are the amounts of money that you are required to pay). The insurance company will give you at least three Insurance Scenarios that will provide a comparison of alternative choices of coverages.      The Department of Banking and Insurance provides an interactive Auto Insurance Purchasing Planner that will guide you through the coverage selections that you must make when purchasing a policy. You might want to review this planning guide and print out the types of coverage before you speak to an insurance agent or broker. See www.njdobi.org/autoplanner.htm.      The insurance company will determine the premium for your insurance policy based upon the type and amount of coverage that you purchase and the risk that you will experience a loss. Some of the factors that affect the cost of automobile insurance include the type of vehicle insured (make, model, year, and value); your geographic area (where you drive and where you garage your car); your driving record (accidents and moving violations during the past 3 years); your age, gender and marital status; and the use of your vehicle (personal or business use and daily miles to school or work). Some insurance companies will look at your credit history as a factor in determining risk.