When you are looking for an auto Insurance Policy, you need to purchase the coverage that is right for your particular situation. If you are driving an old car with little value, and you don’t have a lot of money to spend and own very little, perhaps minimum liability limits is all you need. If you are looking for something to cover your brand new car, and you have a house and children, you might want higher liability limits and full comprehensive and collision coverage. Either way, the goal is to protect what you do own against those people out to take it away from you because of something you caused, or to protect you against losses caused by those not carrying their own insurance.