You may think that when you have auto insurance coverage, than you're fully protected. What about the type of coverage or amount of coverage you carry? Have you looked at what insurance policy you're getting?

Whether this is the first time you're buying auto insurance or you just moved to California from a different state, some form of auto insurance is required in all states. But there are different kinds and levels of coverage, and its up to you to purchase the coverage you need. Getting California Auto Insurance can be confusing and a difficult experience. With all the competition, different coverages and laws out there, making the right decision can be a difficult.

Someone might try and sell you insurance coverage based on the lowest price and someone else might be doing just the opposite and selling you the product solely based on coverage. With the many different options you have, it is not smart to base your decision on just price or coverage. Review the coverage and your individual situation and create a policy to fit your lifestyle. Here is an outline of the coverages offered under an auto policy and how they protect your best interest.

Liability-  In an accident, if you hurt someone or damage someone's property, Liability coverage pays for damages up to your policy limit. Liability also covers your legal defense if someone sues you as a result.

Medical Payment-  This applies to medical expenses up to policy limit for anyone injured while in your vehicle. Medical payment is similar to health insurance coverage and is primarily the first coverage used when an insured or its passengers need emergency treatment.

Uninsured/Underinsured Motorist- This coverage protects you if you're in an accident caused by someone who doesn't have insurance, or does not have enough insurance coverage. Uninsured/Underinsured Motorist coverage protects you and other passengers in your vehicle.

Collision- When included in your policy, Collision covers your vehicle when involved in a colliding accident. Collision also covers if your car rolls over, is hit by another car, or hits another car or object, less your deductible.

Comprehensive- This coverage is purchased to protect your car if it is stolen or damaged  by something other than collision, such as fire, vandalism, rain or natural disasters.