For many people, obtaining a auto insurance quote is simply about satisfying their state's requirements for auto insurance coverage
. That means that they often just choose those coverages that their state requires-and at the minimal coverage requirement levels as well. But is that really the best decision for a auto insurance consumer to make? Instead, why not use your auto insurance quote as an opportunity to find out how much it would cost to get the actual auto insurance coverage you need? Do You Need Uninsured Motorist Coverage? If you or a passenger are hurt in an accident that is the fault of an uninsured driver then you can pretty much kiss reimbursement from their insurance company good bye-after all, they are uninsured and have no insurance. And your insurance policy might not cover the damage caused by this other driver. If you have uninsured motorist coverage you can ensure that you will be made financially whole if the driver at fault does not have proper coverage. The Insurance Research Council estimates that roughly 25% of individuals are uninsured in every state-protect yourself against them. Do You Need Comprehensive Coverage? If your car gets stolen, vandalized or suffers from being involved in a natural disaster, can you afford to pay out of pocket for a new vehicle? And if you can, will that new vehicle be the same value as the old one-or will you be forced to buy a less expensive car because you cannot afford to pay for an equal car? And what about your existing car payments-who is going to pay those? If you don't have comprehensive coverage then you will need to pay out of pocket to restore your car or to buy a new one if it is involved in a theft, if it is vandalized or if it suffers from storm damage. With comprehensive coverage you could be reimbursed by your insurance company and not have to worry about how you will afford to replace your vehicle. So the next time you get auto insurance quotes, think about the reality of your situation and what kind of coverage you need as well as what kind of coverage you can afford to skip.