Whether you are putting your first car on the road or your tenth car, you need not worry about what you need to do in terms of getting the right type and amount of auto insurance coverage that will meet your needs. There are certain things that are a must that need to be covered; and other things that are nice to have (but not really necessary). This is going to be a short that will help you to avoid the pitfalls that often go along with having to get a new auto insurance policy.
The first thing that you need to think about is what type of a vehicle you have and how old it is. If you have a brand new vehicle, you will need to put comprehensive coverage (as this is required if the vehicle is financed) so that you are covered if your car is run into or damaged in any way by a wild animal or a natural disaster. If you have a sports car or a car that is very expensive, you might/will also want to have comprehensive coverage on that vehicle.
On the other hand if you have an older vehicle that has been "around the block" more than a few times but is still very reliable; you might only need a very basic collision policy that will cover the basics as far as property damage, collision damage to your vehicle in the event of an accident and coverage for medical expenses. The only reason that you really need to worry is if you are dealing with an insurance agent that is trying to sell you a policy that is more than you really need. The best thing that you can do is do a bit of research beforehand regarding your state's/area's auto insurance requirements to know exactly what the minimum requirements are and then go from there.
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