You might ask this question especially if you do not have any idea what auto insurance policy to take and so on. The best way to know is through research and through asking around. This post will try to cover the answer of this question, though there is no definite one since the answer can be highly individualized.
You will have to know the type of coverage
You might know this but there are types of coverage you should learn. This include the following:
The type of auto insurance that is actually what most states require drivers to have. This is because it protects you from damages you incur to other parties. This can be bodily injury or property. This is required in most states since it protects the people who are involved in an accident. For example, if someone hit you, it means that you can get automatic attention since the one liable has insurance to aid finance. This benefits the one insured in a lot of ways as well.
Bodily injury liability
Basically the same with liability, but focuses more on body injury. Some auto insurance companies focus on injury liability and not have property included.
Personal injury protection insurance
This covers to bodily injury of the other drivers or passengers who you collided with. This includes hospital fees, treatment and so on. This also protects you with some suit or legal claims.
This coverage protects your car for any damage it gets from collision, may it be your fault or not.
Covers full protection against fire, theft, vandalism and other unforeseen calamities.
Uninsured and underinsured motorist coverage
This will cover you against hit and run incidents as well as damage caused by drivers without proper insurance coverage.
Now if you are obsess with your money or you do not want to worry about anything that happens on the road, and have enough money, then you should opt for full coverage. You can get all the insurance coverage listed above.
But if you are tight in budget and you think you can drive safely, then go select the minimum requirements only and some add-ons as you see fit.
IT really depends on your personality and needs. Of course, you should do a bit of research on the rates of accidents in your area as well as theft or natural calamities.