What Auto Insurance Policy Should I Buy?

Here is good guide for buy auto insurance

Everyone has different needs. But when you buy auto insurance, everyone should look for a policy that does the following: 

• Provides at least the minimum coverage that your state's law requires. You do not want to be fined or lose your license because you did not follow the law. The minimum coverage amounts are different in each state. Check with your state Department of Motor Vehicles or Department of Insurance to learn what your state requires.
• Provides enough liability coverage to pay someone else for their property damage, medical care and other costs that you may cause. Accidents happen, even to the best drivers. You should buy as much liability coverage as you can reasonably afford to protect yourself financially. See the "What are the different types of auto coverages?" section for more information.
• Provides you with enough coverage to pay for your own property damage, medical care and other costs if there is an accident. If you are in an accident, you probably will need insurance to be able to repair your car and pay for your medical care.
• Provides you with coverage you may be required to buy if you have an auto loan or lease. Most often, you must have comprehensive (sometimes called "other than collision") and collision coverages until you pay off your loan. See the "What are the different types of auto coverages?" section for more information.
• Provides coverage for all members of your household, including students away at school or other adults who live with you. You may have teenagers in your household or others living with you who have bad driving records. Including them on your policy will increase your insurance costs. While it may seem easy to leave them off your auto policy to save money, you may be responsible for any damages or injuries they cause. It is best to insure everyone living with you who has a driver's license, not just your immediate family.

What Are the Different Types of Auto Coverages? 

You may be shopping for insurance in person, over the phone or via the Internet. Regardless of how you are shopping, one of the first questions you will be asked is which coverages you want. Remember, there is no such thing as "full coverage."
Following are the common auto insurance coverages and a brief description of what each does. Not all of these coverages will be available in your state. Each coverage you buy is priced separately. Ask your insurance agent or insurer for more information.