Get Auto Insurance Quotes Without Waiting

The last thing you want to do is wait a long time to receive the proper amount of auto insurance quotes. Unfortunately, this is something that many people deal with time and time again. There are ways to get auto insurance quotes without waiting, though. You just need to know the process and how it is going to unfold.

The best way to get these quotes without waiting is by using the internet. This will help you speed up the quote process, while ensuring that you get exactly what you want. In other words just because you are using the internet does not mean you are giving something up in terms of the number of quotes you can receive and the information that comes along with them.

Why would you want to call agents and brokers on the phone, and subsequently wait for your car insurance quotes to arrive? Remember, these people are trained to sell you a policy. For this reason, they are going to take as much time as they can and use whatever method they have to in order to get you to buy. This can take up a lot of your time.

If you are interested in getting auto insurance quotes now, not later, you have to use the internet. By doing so you will be able to speed up the process, compare quotes, and buy a policy in no time at all. There is no good reason to wait. After all, you need coverage as soon as possible!

The Best Car Insurance Quotes Are Online

There are many reasons why you are going to find the best car insurance quotes online. Do you know what they are? Above all else, using the internet is the "in thing" to do. For this reason, every company is improving their online presence. This makes it easier than ever before to receive quotes that suit you well.

What do the best car insurance quotes look like? The answer to this question is different for everybody. For example, you may be interested in affordable quotes whereas somebody else wants to make sure they get the best coverage available. You need to have a basic idea of what you are looking for if you are to get the right quote and then turn it into a policy.

Since you can quickly receive and compare quotes online, you are bound to find something good soon enough. This does not mean you have to be in a hurry, though. You can use third party sites that provide you with several quotes from one form. Or you can jump from one company's website to another, in search of detailed quotes and information. No matter what you decide on, you will have the perfect policy soon enough.

There is no denying that the best car insurance quotes can be found online. Rather than call brokers and agents, hoping that they can help, use the internet. This is the best way to find coverage that you are comfortable with. In the long run, you will be glad that you turn to the internet to find and compare car insurance quotes.

You Can Be Saving Money Now by Using Auto Insurance Search

Auto insurance search is a contemporary approach to acquiring vehicle insurance. It is a sad fact that accidents do happen and if you are not insured these accidents can prove to be very expensive. Are you covered in case of an accident?

Finding a company that provides good, cheap insurance is not as difficult a task as you might think. With auto insurance search you can relax while someone else does the legwork for you. The Internet is a wonderful tool and should be used to its full advantage. There are many insurance companies to be found on the World Wide Web.

You may have been with the same insurance company since you got your drivers permit. Maybe you are the kind of person that likes to stick to what you know and remain in your comfort zone but at what cost? Maybe the company you are with is about to go out of business, what will you do?

People shop on-line all the time from getting their weekly groceries to buying rare antiquities. Auto insurance is no different. The advent of comparison sites such as auto insurance search has made renewing your insurance easier than ever. All you have to do is register with them.

They will then take your specific requirements and locate suitable companies that would be able to meet your needs from major household names to small, relatively unheard of companies. A list will be compiled containing the various offers, quotes and premiums available from these companies.

Once you have looked through any reviews and comments left by other people to establish a company's reputation it is then your decision which company to use. Auto insurance search is the easiest, fastest way of finding new cover. Why not give it a try today?

Auto Insurance Online - Easy Way To Save Money?

There is one question we all ask about our auto insurance: how much can we save? There are so many companies providing insurance services today, so some people may find it difficult to choose the right provider. The most easy way to compare the insurance deals is doing it online and getting quotes from a bunch of companies. Everyone knows, that rates change all the time and switching your insurance provider can be a hassle.

Your auto insurance price depends on your driving experience. How long is your driving history? People who had any accidents or tickets have to pay more to be covered, as they are in the group of less trusted drivers. Off course, if you had only one ticket there is no problem, in fact some insurance providers have programs called "forgiveness", where they dismiss your first penalty and let you have the same insurance plan as others.

Auto insurance quotes online can be found using the search engines. This is the most fastest way to look for the online service provider. Each quote depends on what insurance you are looking to buy - full coverage, simple liability. Cars that have a lease do need a full coverage, so expect to pay more.

When looking at your insurance quote online remember to add any additional policies and see how the price reflects these changes. Road help, breakdown recovery or legal cover can make a change on your final price.

Some people ask if broker or online auto insurance quotes are in any way different. There is no question, that online auto quotes can save you time and sometimes signing up for the newsletter can save you even more money - auto insurance providers often send some good deals online. Brokers can be reached by phone and they have some good offers for you as well.

When you look for an online auto insurance quote you have a 100% control over your decision to find the best deal that suits your needs. Internet search will help you to save money, as you will be able to find some smaller companies with more affordable rates!

How To Get Cheap Auto Insurance Quotes

As the world economy improves, more and more people are acquiring cars. However, the biggest headache for a majority has always been how to get affordable insurance quotations. It is a mandatory requirement by all states and governments that all car owners have some form of basic car insurance. This is to protect other road users from loses that might be incurred after an accident. The process of selecting an inexpensive and reliable insurance firm is not a task for the faint hearted. A good insurance cover goes beyond third party policy cover to protecting you against financial ruin due to theft, fire and accidents.

Discussed herein are different methods to enable you obtain affordable car insurance

Ways through which you can get cheap insurance
Secure your car: Whether you are buying a new or second hand car, ensure that it has been installed with some form of security system installed, e.g. an alarm. These are safety measures against unauthorised access to your car and as such stand a chance of obtaining a discount on the insurance.

Multiple car discounts: Most households today have at least two cars. There are insurance firms that offer insurance cover for two cars at the price of one. In some cases, the cost of the second car would be much lower. It is advisable that when in the market for insurance quote that you ask about discount on the second car.

Annual Policies: Whereas, paying for bi-annual policies might appear cheaper at closer look its more expensive when compared to annual policies. Selecting an annual policy can save you some cost on your car. Moreover, you are not affected by insurance rates that may change half way through the year.

Clean Driving License: The more accidents you cause on the road the more you are likely to pay on premiums. When driving on the road it's recommended that you take extra caution even if you are on the right side of the law.

When scouting for insurance agents, instead of looking newspaper and yellow pages advertisement, to get cheap insurance quotes, make use of the internet. This provides you with the advantage of scrutinising hundreds of insurance companies that can meet your needs at reasonable prices, e.g. insurance cover for women, students and elderly. This is in contrast with having to walk from one company to another thus saving you time, energy and money in the process.

Stay Up To Date Following Auto Insurance News Websites in the US

Keeping in touch with updates and the latest modifications in insurance coverage is very important so as not to get caught off guard when that fateful incident arrives. Health, home and fire insurance guidelines occasionally change to abide by laws passed by lawmakers. Auto insurance policies are not exempt from these occasional changes. So it would be wise to be updated about current auto insurance news so you may make the right moves in terms of adjustments to your policy so as not to be caught unawares if ever you figure in a car mishap.

But why should you look for auto insurance news in the first place? You can have several reasons for doing this. Whether you want a new policy to replace your old one or to know what other companies are offering doesn't really matter. What is really important is that you are constantly informed which can later translate into savings but availing of the same or even better coverage. Also, it can be an added protection for you not to get duped by your insurance agent if ever he calls you about changes in your insurance policy as a result of company moves and not your own.

Staying in touch with the latest auto insurance news will definitely benefit you in the long run. Take a look at the many websites that provide updates on issues. To find out what these sites are, simply type "auto insurance news" on the search bar of your favorite search engine. Among the many hits of your search, make sure that you select the sites that are dedicated to updates and latest moves of car insurance companies. Other sites will give you a sales pitch or offer you auto insurance quotes.

These legitimate auto insurance news sites will tell you of recent changes in companies' policies, coverage, premiums, add-ons, and all the other pertinent issues. What is left for you to do is take a look at the updates to see whether your insurance company has updates or changes in their policies and if you may be affected by those changes.

If you happen to choose the right website for your auto insurance news and updates, it is also wise for you to subscribe to their news updates via email. They have several options regarding your subscription so that you won't get bombarded by a lot of emails that you are not pertinent to your own insurance policy coverage. Through this, you need not log on to their site everyday, but instead, you will just be sent an email whenever news or updates of the kind you subscribed to arise. Also, the best thing about this is that subscriptions are mostly free.

So now, the information that you need are all on the web. All you have to do is retrieve it so that you won't feel that you were ripped off by your insurance provider or be in a tighter spot whenever you get involved in a car accident.

How to Get Cheap Car Insurance For Young Drivers

Car accidents are the major cause of deaths in the United States, and the number of such accidents keeps on increasing every year. A large majority of these accidents involve young people, as they are known to have a propensity for driving recklessly. It is precisely for this reason, along with several others, that young drivers have a tough time getting insurance at cheap prices.

Rates for these drivers literally come at a premium, which in turn disappoints them badly. Having said that, it is very important for drivers to get insurance to protect themselves and their vehicles. Insurance is immensely useful, especially when your car is hit by an uninsured driver or damaged by inclement weather or fire. It is very possible to get cheap car insurance even as the competition among insurance companies continues to intensify.

The first thing young drivers must do is to educate themselves about car insurance itself. There are three kinds of car-related insurance - theft and fire, comprehensive and liability. Of the three, comprehensive is the most costly and is primarily used when financing a car. Those looking for a cheaper option can let it pass. Even a fire and theft policy, which is used in critical situations, is expensive although it is cheaper than comprehensive insurance. Therefore it is advisable to go for liability insurance under normal circumstances. Liability insurance, however, would cover the damage caused by you only.

Having a good credit rating is one of the best ways to lower insurance premium rates. Students, too, stand a chance of getting cheap car insurance by improving their grades. Those who get excellent grades may also be eligible for certain discounts. You also need to keep your driving record flawless in order to get cheap quotes. Make it a point not to get a speeding ticket or especially a DUI conviction. In this context, it might also be a good idea to enroll for advanced driving courses. Successful completion of such advanced courses would provide you with a platform to showcase your driving prowess and your commitment towards safe driving.

Another underrated method of obtaining cheap car insurance is to opt for older cars. While young drivers may not agree with this option, the fact is that the insurance premiums of brand new sports cars would be much higher than that of older cars. Parents can play a key role here by convincing their children not to be swayed by fancy cars and opt for older, but reliable models.

You can also browse the internet to seek car insurance quotes. There are an array of websites for this purpose. You can use such websites to improve your knowledge about the many different companies and their quotes. It is also important to ask plenty of questions and share your driving history when seeking quotes.

Top 3 Reasons for Short Term Auto Insurance

For various circumstances, there may only be a need for short term auto insurance as it may not be financially sound or logical for a longer term policy. So here are the top three reasons for needing that type of car insurance. Do you fall under any of these categories?

1. College Student- If you're a college student and attend school away from home, paying insurance for your car that might just be sitting in the garage is not cost efficient. Especially in these tough economic times and as a college kid barely scraping by, it would be a wiser move to find a short term auto insurance policy that would cover you for the few months over the summer that you are actually home. Then while you're studying and enjoying the college life for the other eight months or so in the year, you'll have less of a financial burden to worry about.
2. Moving- Let's say you're moving to a new house and need to make some improvements to it as well, but you only own a car, and a truck would be needed for this situation. You can borrow a friend's heavy duty truck for the temporary time being, so to be on the safe side of things in case of any accidents, you can get a temporary insurance policy. Even if you're just moving your things to your house from your old place or transporting lumber for your additions, a short term policy would be the way to go.
3. Overseas Visitor- If you're venturing off to another country for a few months or if you know anyone coming to the United States for a bit and a car will be used for that period of time, temporary policy would also be ideal. Especially in another country where it can be easy to get lost and where the way of driving can possibly be different, more risks are involved, so protect yourself wherever you are.

Finding Cheap Car Insurance for First Time Drivers

There's always a hunt for cheap car insurance for first time drivers, as premiums for this group start out rather high. Most of this is due to this group consisting of mostly young drivers who have a harder time paying for car insurance. Because an insurance policy is a necessity to be able to roam the roads in your car, people are always searching for the best deals. Being in this position, have you wondered what kind of insurance to get? Where to get the cheapest insurance rates? Where to start your search?

It seems rather overwhelming at first, but finding cheap car insurance for first time drivers is easier than you think. You just need exert some effort and look in the right places. Car insurance isn't cheap, and paying for your own policy is not the easiest thing to pay off especially if you're a young driver. It takes only a few quick and simple steps to save yourself a few hundred dollars. The time spent researching and comparing policies seems like a worthwhile effort, right?

Starting your search is easier said than done, so as a first step, take action! Yes, it sounds very simple and cliche, but you actually need to at least look at a few places in order to compare insurance quotes. Visit the local insurance companies in your area and just ask around. Show them you're not willing to settle for the first "good deal" that comes your way, and use competing company's rates as leverage for possible negotiations. Browsing the internet is another excellent source, as technology has improved so much over the years, making the process a lot quicker and easier. The problem is there are so many quote comparison sites out there. Where do you begin?

Fortunately, there are trusted sources for cheap car insurance for first time drivers. Some friends referred my son to one site that gave him a huge jump start in his search and saved him a few hundred dollars on his premiums.

Cheap Full Coverage Auto Insurance Is A Necessity Today

Do you want full coverage on your vehicle and on your well-being as you're out on the roads? Don't want to take any risks? Then you probably have to find cheap full coverage auto insurance. This type of insurance is generally perceived to cost too much to afford, but with some effort on your part and by looking in the right places, it shouldn't be a burden on your budget. So you're probably wondering - why full coverage?

Let's say that you do get into an accident in your fully insured car. Your policy covers medical expenses, vehicle repairs, and lawyer fees. It also allows you to collect money from uninsured parties if for any reason they owe you anything as a result of the incident. Other lesser policies only provide bits and pieces of the features mentioned above. Sure, these are much cheaper in price, but you place yourself at more risk. So where do you look for cheap full coverage auto insurance?

It's pretty simple. Compare quotes from various insurance companies around your area, and show these agents that you are looking to negotiate for the best prices out there. Don't give in for their "low rates", as you can use the numbers you found elsewhere to haggle around. The internet is also a great source for your search. You just need to invest some time in browsing online on rate comparison sites. The problem is that there are so many of these sites out there. Which can you trust?

Luckily, one of my friends pointed me in the right direction when I wanted to switch to a full coverage policy. The search seemed so daunting at first, but this site was the easiest to use and I managed to save myself a few hundred dollars on my premiums.

Is There Such A Thing As Cheap High Risk Auto Insurance?

Of course there is. Are you a driver with a few speeding tickets or other violations on your record? Drive a sports car? Have high insurance premiums? There's no need to worry as you can easily find cheap high risk auto insurance. It's not impossible as most people say, and there are reliable companies out there that are willing to insure you at solid rates despite your record on the roads. So how do you find these kinds of policies?

You need to actually get yourself out there and check out the available insurance quotes at your local car insurance agencies. These are businesses, so keep in mind that agents won't present their lowest rates up front. You need to do a little bit of negotiating, such as showing them cheap competitor rates in hopes of driving down their premiums. Another alternative is searching online, as it is very convenient in that you don't have to leave the house, and with the proper searching you can find some of the best deals on cheap high risk auto insurance that you can't get anywhere else. You're probably thinking, "But aren't there a lot of those sites out there?"
Fortunately, I have some friends who referred me to a site they had excellent and successful experiences with in the past. After several speeding tickets in the last few years, I needed a new insurance policy that would support my needs at cheaper rates. Initially it was a struggle to find companies with policies within my price range, but this quote comparison site made my life a lot easier.

Understanding Auto Insurance

Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

Whatever type of auto/ car insurance you need, Business Health Insurance can help! We have all of the information on auto insurance in your state.

Rate And Compare Auto Insurance To Help Save Money

Auto Insurance companies are very competitive to earn your business online. With online access, it is much easier to rate and compare auto insurance companies today. There are some important aspects to consider before you purchase an auto insurance policy.

There are many fly-by night auto insurance companies these days. You can get 1,000 of ratings in regards to the auto insurance companies you are considering. Information is provided on 1,000’s of detailed financial profiles from insurance companies.

You can also do a search on “S&P auto insurance ratings” to get information on the auto insurance companies you are considering.

Another important aspect to consider when you rate and compare an auto insurance company is how fast they can process insurance claims. Is the company easy to deal with? If a claim takes weeks to process, you could end up with many problems from the other auto insurance companies that may be involved with your claim.

One of the best ways to take a look at the good, bad and the ugly about auto insurance companies is by checking out online company reviews. These are reviews from past customers and also people who write about there own experience with a particular auto insurance company.

Auto insurance companies are very competitive for your business. This can help you get a better deal on your auto insurance when you know what type of discounts may be available to you from auto insurance companies online.

Here Are 5 Types Of Auto Insurance Discounts

1. Auto Safety Features Discount - Be sure to look into your vehicles auto safety rating.

2. Multiple Vehicle Discount - You may be able to get discount auto insurance by having multiple vehicles on you auto insurance policy.

3. Safe Driver’s Discount - With some auto insurance companies you will be required to have a clean driving record for at least five years. Be sure to take advantage of this type of discount auto insurance if you qualify.

4. Full Time Student Discount - Discount auto insurance may be available to you if you are a full time student.

5. Auto Insurance Renewal Discount - If you have a clean driving record and have been with the same auto insurance company for many years, be sure to ask for a renewal discount.

Auto insurance companies know there are plenty of competitive companies out there that want your business. Is most cases, if you say you are considering another auto insurance company, they will be very willing to give you an auto insurance discount. Let them know you have been shopping around and have got some really great price quotes from other auto discount insurance companies.

Auto insurance discounts are available for many different reasons. Taking some time to educate yourself about discount auto insurance can help save you a lot of money on your insurance policy.

Auto Insurance Online - Taking Advantage Of Special Discounts Using The Internet

When considering auto insurance today some people find it easy to compare auto insurance companies and to buy auto insurance online. You can use the Internet to your advantage.

With easy online access, you get quotes from several auto insurance companies very quickly.

Auto insurance companies are very competitive online to earn your business.

The first and most important aspect to consider when you buy auto insurance online is “what does the policy cover?”

Be sure you understand what these are, before you buy auto insurance online. You can have the auto insurance company send you a complete definition of the terms, so you will understand what you are getting when you buy auto insurance online. This is very important when you compare auto insurance companies online.

With a high deductible (the amount you pay before the insurance kicks in) is one of the best ways to save money when you buy auto insurance online. Most auto insurance companies can shop for a company that can save you the most money for your situation.

The equipment on your vehicle can also save you money and get you a discount when you buy auto insurance online. If your vehicle has anti-theft, anti-lock brakes, passenger/driver air bags, and automatic seat belts, you can save money on your auto insurance policy.

With a little education on the different aspects of how to buy auto insurance online, it can be well worth your time and effort to shop online for auto insurance.

When you are shopping for cheap auto insurance there are several aspects that will change your insurance quote. Just by knowing what an auto insurance company will consider, might make it easier for you to save money on your insurance rates.

An obvious aspect that can be changed is your driving habits. Getting traffic violations frequently can be changed simply by slowing down.

Another aspect that you can change is how many insurance claims you file. With a good driving record, you can get cheap auto insurance rates much easier.

If you are considering buying a new vehicle, you can change the model you have your eye on. A red 350Z convertible sports car will cost more than your typical family sedan. Most people know this, but you may want to consider what the cost of cheap auto insurance will be, before you purchase a new vehicle.

Yes, there are a few aspects that we can not change when shopping for auto insurance rates.

Your age is an aspect that can’t be changed when considering auto insurance policies.

When you are shopping for auto insurance there are some aspects that you can change to help save money on insurance rates.

With a good driving record, you can get cheap auto insurance rates much easier.

A medical doctor can pay less for auto insurance than a car salesman. Having a good credit rating can also help you get cheap auto insurance.

Some of the other aspects that are considered when you are shopping for low cost auto insurance policies are, how long you have been driving, miles driven to work, miles you drive per year and how long you have had auto insurance.

With a little education, you can be well informed and save money on your auto insurance rates with special discounts.

What Should You Look For in an Auto Insurance Company?

What is a car insurance? What will an auto insurance cover?

Auto insurance companies cover you and your passengers in the event of an accident. But it is up to you to decide the level of cover you will get.

Will the damages to your property be covered by the company? Will all the passengers be covered or only your family? What if your daughter was driving your car?

What questions should you ask your auto insurance company when it comes to auto insurance? This article help you choose between the various insurance policies.

Types of auto insurance

Liability insurance, or third party insurance.

This is general the lowest form of insurance offered by an auto insurance company. This is the basic insurance, if you are involved in an accident, and it is proven to be your fault, the auto insurance company will pay damages to the other party.

The cover offered by the auto insurance company is usually set beforehand. These are the maximum amount the auto insurance company will pay in case of accident

For example the agent will agree on a $10000 coverage per person, (bodily injury) and/or $40000 coverage in bodily injury and/or $10000 in property damage per accident

You need to confirm with your auto insurance company what they will cover and what are the limits.

You might be offered a very low premium by some auto insurance company only to realize that your cover is minimal and unrealistic.

Collision and comprehensive coverage, comprehensive insurance and full comprehensive insurance

An auto insurance company will also offer you a comprehensive insurance, as the name indicates, you will be comprehensively covered.

In simple terms it means that if you are responsible for a collision the insurance company will pay for the repair of the vehicle.

But it is not so simple, an auto insurance company will almost always have the final say on what amount will be paid out, so if it is cheaper to give you market value for the car, then they will.

You might think that your car is worth $1000.00 but the real market value might be $500.00. This is not an uncommon scenario. So if the repair of your car are more than $500.00 then the auto insurance company will simply pay the book value of the car.

You must make sure that the insurance company is not in control of the market value of the car, normally organisations like the AA will give an impartial market value.

As with the third party insurance, the auto insurance company will almost certainly limit the amount that will be paid out, but in general terms, a comprehensive insurance will have higher limits.

Recreation Vehicle

A recreation vehicle needs its own insurance, a Recreation vehicle insurance is not the same as auto insurance.
You should not assume that because your car is comprehensively insured, so is your recreation vehicle.

Other Types of auto insurance

Medical (MedPay), Persona Injury protection (PIP) and no fault cover

This insurance will cover you and your passengers medical expenses in the event of a collision.

The no fault cover means that the auto insurance company will pay regardless of who is at fault. This give you the piece of mind that, at the very least, your family and friends are covered.

PIP is often a minimum requirement in some countries or states, ask your auto insurance company what the requirements are.

Uninsured/Underinsured motorists' coverage

This cover, (also sometimes a minimum requirement in some states), will cover you if the person at fault is not insured or is underinsured.

You must ask your auto insurance company what you will be charged in case of such a situation. Normally the auto insurance company should not charge you some extra premiums.

Rental reimbursement, towing and labour

Those 'extras' often given with a comprehensive insurance is often use by auto insurance companies as specials.

So in case your car is damaged the auto insurance company will pay for rental costs, (sometimes only for a few days).

The auto insurance company might also offer to pay for the towing of your vehicle, (not always included).

As always you should ask your auto insurance company what is included in the cover.

The legal requirements.

Most states, and most countries will require a certain level of cover, from full comprehensive car insurance to third party auto insurance.

In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum required. In most cases the insurance company, (the auto insurance company), is under no obligation to instruct you of the requirements.