Auto insurance can protect you against many troubles, such as financial claims of other people taking part in the same accident, and in all states it is required by the law. Your auto insurance can cover a number of different aspects of driving as it is usually tailored to your personal needs and requirements of state where you live. Although insuring your car may seem easy, in reality it's a real pain in the neck - you need to find a perfect combination of great policy terms and price that you will be able to pay (monthly premiums), which takes a lot of planning and searching the Internet to get the best auto insurance quotes for your state. There are many things you will be asked about when being insured, as they all influence the monthly premiums you will have to pay - and the most important thing is to never lie about anything like your age (saying you are older that in reality) and whether you had any speeding tickets in the past. In case you do have an accident the truth will come out and the company has every right to invalidate your insurance if you did not tell the truth. In that case you will be paying the damages yourself, which on some serious cases may mean hundreds of thousands of dollars. There are three main options you will have if you decide you need an auto insurance policy (which you do, as otherwise you will be fined). There is a basic third-party cover only - a kind of coverage that is the cheapest as it covers the damage you do to other people or their property. In that case any damage done to you or your car will not be covered, so you will have to pay for it yourself, unless you manage to prove the accident was not your fault. That also means, however, if your car is destroyed because of fire or some other natural disaster of the kind, you will not be covered. Another option is third party, fire and theft cover - this way you are adding protection, and will be covered for the cash value (the cost of the car minus deductible). The third option is comprehensive coverage - it means that no matter who caused the accident the insurance company will pay for all the repairs. This is the best way for those owning a new car and willing to protect it against anything that may potentially happen. Your quotes will also depend on the make of the car, its cost, your driving experience and many other aspects - so being honest and calculating every step is the least you can do in that situation.