You do not want to be underinsured or uninsured when you look at a claim after a car accident or other damage to your car. But at the same time, it makes no sense to pay for more coverage than you need, right? This raises the question: What automobile insurance coverage do you need from one of these top auto insurance companies? The answer, as frustrating as it may be, is that it depends. For example, a person who insures a new and rented car is probably required to have collision and full insurance coverage, but for someone who drives an older car that does not have much value, it may not be logical to purchase optional coverage. In addition, states have different requirements for auto insurance. There are 12 no-fault states that require their drivers to purchase Personal Injury Protection (PIP). So, when it comes to determining the auto insurance coverage and limits that you must purchase, it is important to do your research. Talk to an insurance agent or insurance company to det...