What I have found is that people place way too much emphasis on car insurance prices when comparing insurance policies.  After all the policies should not be that much different since the coverages all share common forms as developed by ISO.  What ultimately matters are the coverage limits one receives.  If your coverage limits are on the low end, what do you really have if you get in to an auto accident?  So if you have minimal coverage, sure your rates might be less, but you will end up paying much more out of pocket should you get into an accident.  And that is not a good place to be either.  So as you see getting the right policy is about balancing benefits and costs and that is what makes comparing car insurance policies so hard.