Find the auto insurance coverage that's right for you, your car, and your family needs. Intro to Auto Insurance Accidents happen. When they do, having the right auto insurance can make a big difference. Most states require a minimum amount of insurance. And if you have a loan on your car, you may have to carry specific coverage. The rest is up to you. Do you know what “the rest” is? We do. Let us help you understand the coverage you have and determine where your gaps are.