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Do you know the proper auto insurance laws of your state? Do you know how much coverage you need? Or, what is the minimum coverage required? Do you have liability insurance? What will happen if you drive to another state and get pulled over?

Your agent is the best source of information. They have access to all the state laws for insurance and will be able to lead you in the right way. It's their job to know these things and they get paid for your safety. Before you call them be sure to write down your inquiries so they can answer them promptly and you don't have to call them back.

Basic rule is that each state has a minimum requirement for the auto insurance coverage you need to have for certain situations. The three types of coverage is injury to another, injury to all people, and damage to property.

The general rule is that you need proper coverage for the states you drive through as well. If the state you're traveling through needs more coverage than you have, it's your responsibility to extend the coverage for the states you travel through.

There are options if you don't have money to pay for insurance. Some states have vehicles you don't need insurance for. In Washington and Oregon, motorcycles, scooters, and mopeds do not need insurance to drive them.

You must keep proof of insurance on you at all times. If you were pulled over, you are required to provide it. If you don't, then you must appear in court and show proof or you will be fined heavily. Appearing in court is not a fun thing to do, be sure you have your proof at all times.

The biggest factor in finding cheap auto insurance is keeping your driving record clean. Knowing a little bit about the laws can help a great deal!