When talking about basic auto insurance, it means getting the right insurance for you not the cheapest with less coverage. The main reason why the law demands drivers or car owners to have automobile insurance is to protect you or the drivers along with the passengers for financial security in case of a car accident.

As you know, the level of car insurance differs from state to state where each company has different minimum quotes. Most of the basic automotive insurance policies contain six or five forms of coverage based on what state you live in.

The five basic kinds of coverage are:

1 Collision and comprehensive- In collision, this covers losses to your vehicle when you are involved in a major accident or collision while the comprehensive covers the non accident physical damages to your vehicle or auto because of storms.

2 Liability coverage-In this coverage, you find written 3 numbers 20/40/10. The first number indicates the amount of thousands, if the person has an accident and is hurt or killed it will be $20000 he will get. The second number indicate if ever for example, somebody hit your auto and you hit another house then you can be covered for everyone that is hurt.

But take note, that will be up to 2 person only, then you have to multiply the initial number to the 2nd number, that is why it would be 40. So 2 multiplied by $20000 is $40000. The entire damages to everyone concerned including your car would pay $40000. The last number which is $10000 is the total amount the person who owned the property where your car hit will receive from your insurance provider.

3 Uninsured or Underinsured Motorist Coverage - safeguards you when the problem driver has absolutely no insurance or has inadequate insurance which covers physically injury losses only but in some states, it includes property destructions or losses.

4 Medical Payments (No fault and Injury protection)-For the policy owner and other passengers that are in the policyholder's car.

5 Property Damage-Covers property destruction to the third parties or another driver's car you struck or destruction at your fault.

If ever you can afford to add extra coverage for your needs, then you can get more such as tow truck charges or labor insurance coverage etc. If you want to acquire less costly automotive insurance for an additional car, then you can find different ways to find through shopping and asking for quotes on different insurance carriers or agents.

Its good to have an excellent driving records, as well as high credit score, etc. If not, you could go online through the web, log on to numerous insurance websites and ask for free insurance quotes for your auto.

When you are generally online, you can additionally check the insurance provider for their own records to know if they are good, reliable and reputable as well. The net is the easy and fastest way to acquire insurance coverage quotes without any hassle. All that is needed is to log in to the insurance companies website, but take care since there are also fraud on the net.

Before logging into the insurance coverage companies sites, be sure you are aware of their websites. You are able to call them and request what website they have on the internet, just to be sure.