While buying auto insurance, it is important to understand what package you need. It purely depends on your requirements and if you are wise to choose exactly what you need, you can save a lot of money. You should not pay for something that you don't need.
In most of the US states, auto insurance cannot be purchased without property damage liability insurance. This can help you to cover your damages if you are at fault. Though you drive safely, you have to buy this coverage because accidents may happen at any time. Personal injury protection covers your medical expenses in the case of accidents. If you have a fairly decent health insurance, you can buy minimal personal injury protection. Otherwise, you can buy the full coverage which covers a maximum of 80% of your medical expenses including doctor visits.
Uninsured or under insured coverage can help you greatly during accidents when the fault is on another person. Bodily injury liability covers medical expenses of the injured person if you are at fault. If you don't purchase this insurance, the attorney of the victim may come behind your properties. However, if you have no valuable assets, you can very well go for minimum requirements for bodily injury liability.
Comprehensive coverage of auto insurance protects your vehicle from damages caused by natural calamities which are beyond your control. This also covers your losses when your car is stolen. Collision coverage covers damages to your vehicle as a result of colliding with anything. If you own a costly car, you have to buy these coverages along with auto insurance. On the other hand, if your car is old and there is nothing to cause expensive damages, you can skip these two coverages. Some organizations provide roadside assistance for their employees and in that case, you don't have to buy it from your insurer.
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