Shopping for auto insurance quotes is not simple and efficient unless you understand the basics about the types of coverage that you are given the chance to opt for. If you are not well aware of the importance levels of each one of those types of coverage but you want to save as much money on your policy as possible you are likely to end up not getting exactly the type of coverage that you need. Like in the case of any other product or service there are features on which you can skimp as well as features in which you should definitely invest if you want to benefit from a high level of protection.
When it comes to cheap car insurance quotes, one of the main types of coverage that you should never skimp on is the so-called liability coverage. The importance of this coverage is even proven by the laws that make it mandatory because its the type of coverage that makes sure you wont have to use your assets and your paychecks in order to cover the costs of the damages that you inflict upon third parties due to the car accident you cause. We are well aware of those expensive personal injury lawsuits that are often filed by those who suffered extensive injuries in an accident, becoming entitled to some help with their expensive medical bills and income loss. So, instead of settling for the minimum liability coverage required in your state you should actually double it.
You should pay the same kind of attention to the situation when you are not at fault for the accident you were involved in but the other driver has little to no liability insurance. In such a case you will have to deal with all the expenses caused by the accident on your own unless you also get uninsured/under-insured driver coverage.