Auto insurance can be confusing for most consumers, there are so many types of insurance and it can be difficult to determine what type of coverage you're required to carry versus the types of coverage you really need to take to protect yourself but that are not needed. Most consumers will admit to not fully understanding the auto insurance quote that is provided to them when buying insurance. It would be wise to gain an understanding of the basic features of a auto insurance policy if only to realize that the money paid for the premium is well spent. Getting cheap auto insurance has made it easy for the rider. Would you buy insurance through an agent or directly from the insurance company, industry competition has ensured that insurance premiums are quite structured.
There is a critical protection you need to understand. The first coverage you will see listed is called duty injuries. This is the amount that you have liability coverage for injuries you cause another person in an accident. Sometimes listed as a split limit, in which case the first number is the amount of liability you have per person, and the second number is the maximum amount of money your policy will pay for all the injured.