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Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best deal, you already know how important auto insurance is. By law in most states, if you own a car, you must have some auto insurance. Remember, there is no such thing as a full coverage auto insurance policy. Policies are made up of different types of coverages. Your state’s laws or your auto lender may require you to have some coverages, but you may want to buy others, if you can afford it. Your family and friends can be great resources to find an agent or insurance company. You also can look online or in your local phonebook. Some insurers do not use agents and deal
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