First of all, you need to satisfy the requirements of your auto loan insurance.
This may mean that you have to carry more than just liability insurance on your vehicle.
When you take out a loan on a vehicle no matter how small, the bank or financial institution that you are receiving the loan from wants to protect it's investment and often requires you to carry enough car insurance to cover the loss on the vehicle if it is totaled in an accident.
This can be expensive but it's mandatory, there are ways you can reduce your full coverage but you may need to seek a professional's opinion before you do.
Often you can reduce property damage and personal injury amounts on your policy, but remember if you do, you may not have enough coverage to protect yourself, your passengers or your material assets if you lower these amounts.
When you shop online, you'll receive recommendations about your auto insurance policy, again, these are general recommendations and may not suit your situation.
You can raise and lower the amounts on the individual coverage plans within the policy itself in order to cover your situation properly.
This will also raise and lower the auto insurance premium and you'll see quite the difference as you adjust different amounts within the plan.
If you have a loan on your vehicle or have material assets or do not have good health coverage it's important that you look at the overall picture before purchasing the auto coverage policy that most insurance companies may recommend.
Take the time to talk to a professional insurance agent about your particular situation before you purchase insurance.
You may get insurance quotes online and get a rough idea what your vehicle policy may cost but then be sure to look at the overall picture of your life and future before deciding on the general auto coverage recommendations that you see with an online policy without a professionals opinion.
Remember, auto insurance is to protect you and your lifestyle not just the vehicle, make sure your choosing the best policy and not just the least expensive policy for your auto insurance needs.
If you do not understand auto insurance recommendations, take the time to speak to a professional.