Auto insurance is expensive and required by most state auto insurance laws. A car insurance protects you from the huge price you may have to pay if you cause damage and injury to another upon collision.
There are 2 different auto insurance policies at play here: bodily injury liability, and property damage liability. The first kind of insurance protects you from the cost of personal injury to others, and the second insurance protects you from the cost of damage you cause to any physical property. You’ve probably seen automobile policies described by three numbers (like 80/120/50). These numbers refer to auto liability insurance.
They’re usually called the split limits of liability insurance. Your state’s car insurance laws will require certain level auto liability insurance. You can easily find your state’s auto insurance laws and the requisite minimums from the website on the Internet.
You may skimp by going with the minimum liability required in your state, but it is always worth investing in a little extra protection.