"When chatting about simple auto insurance, it means obtaining the right coverage for you not the lowest priced with less coverage. The key reason why the law demands drivers or car owners to have auto insurance is to guard you or the drivers and the passengers for financial security in case of a major accident. Everybody knows, the level of auto insurance varies from state to state where each insurer has various bare minimum rates. Most of the basic automotive insurance plans contain six or five types of coverage based on what state you live in. The 5 basic types of coverage are: 1 Comprehensive and Collision- In collision, this covers losses to your automobile when you are involved in a major accident or collision while the comprehensive covers the non accident physical loss to your vehicle or auto due to storms. 2 Liability Insurance-In this coverage, there is prepared 3 numbers 20/40/10. The initial number indicates the quantity of thousands, if the person has a major accident and is killed or hurt it will be $20000 he can get. The second number signify if ever for example, somebody rammed your auto and you struck another house then you can be covered for every person that is harmed. But bear in mind, that will be up to two person only, then you have to multiply the first number to the second number, that is why it becomes 40. So 2 multiplied by $20000 is $40000. The entire damages to everyone involved including your vehicle would pay out $40000. The final number which is $10000 is the amount the person who owned the property where your car hit will receive from your automotive insurance company. 3 Underinsured or Uninsured Motorist Coverage - shields you when the negligence driver has absolutely no insurance or has insufficient insurance which covers physically injury losses only but in certain states, it includes property damages or losses. 4 Medical expenses (No fault and Injury protection)-For the policy owner and other riders that are in the policyholder's auto. 5 Property injury-Covers property destruction to the 3rd parties or another person's car you struck or destruction at your mistake. If ever you can afford to add extra coverage for your needs, then you could possibly get more such as towing or labor insurance coverage etc. If you want to buy less costly automotive insurance for another car, then there are different ways to find by shopping and requesting quotes on different insurance carriers or agents. Its good to have a very good driving records, as well as high credit rating, etc. If not, you could go online through the net, log on to various insurance websites and ask for free insurance quotes for your auto. When you are generally online, you can also check the insurance company for their own records to know if they will be good, reputable and reliable as well. The web is the easy and fastest way to acquire insurance quotes without any hassle. All you have to do is to log in to the insurance coverage companies website, but be careful since there are also fraud on the net. Before logging into the insurance companies sites, be sure you are aware of their websites. You can call them and ask what website they have on the internet, just to be sure."