When shopping for auto insurance, you may find yourself asking the same questions. What auto insurance coverage should I quote? The answer is, get as many auto insurance quotes as you need. Many people will limit themselves to one or two auto insurance quotes because they may feel uncomfortable requesting multiple auto insurance quotes.

As an auto insurance agent for many years, I have always found that consumers ask the same questions when it comes to getting auto insurance quotes: How much is liability auto insurance for my car? And of course: How much is Full Coverage for my car?

Being an auto insurance agent, I know that there is so much more coverage than just liability or full coverage. A good auto insurance agent will provide details on liability auto insurance. You can get a auto insurance quotes on the basic law requirements depending on your particular state, or you can exceed the minimum law required coverage. Liability covers damages for bodily injury or property damage that an insured becomes legally responsible for because of an auto accident.

There are several important concepts here. First the policy only protects those who are considered insured based on your insurance policy limitations. It is always a good idea to discuss the details of what drivers are insured under your policy with your agent.

Second, coverage applies only to damages for which the insured is legally responsible. Finally, the damages must involve bodily injury or property damage and result from an auto accident.

The policy promises to settle or defend any claim or suit asking for such damages and promises to pay any defense costs incurred by the company. However, the duty to settle or defend ends when the limit of liability has been exhausted. Defense costs are paid in addition to the limit of insurance. There is no duty to settle or defend claims for bodily injury or property damage that are not covered under the policy.

With all that in mind, when it comes to getting auto insurance quotes, feel free to obtain any quotes from the minimum auto insurance required by law, to the higher limits which would protect yourself and your home from any legal liens in case of a claim against you.

As an insurance agent, I encourage you to ask as many questions as you need to and quote as much or little auto insurance coverage as you wish.