Auto Insurance for a Newbie in United Stats (US)

Its hard to understand the so many types of components that are part of Auto Insurance especially when you move from a foreign land to USA.

This link helped me a lot in this regard: http://auto.howstuffworks.com/buying-selling/car-insurance.htm

Getting Quotes:

1] Online quotes are always very High, so do not book your insurance using it.

2] Call the customer care of the insurance companies and work with them
-- Working with the local agent of the company you selected may further reduce it, try to do some bargain, see if you can tell that other company X is giving me a quote with similar components at lesser price.

3] Try to tell them about your education/driving license period in the foreign land you have been

4] If you are 26+ by age and have 2+ years of driving with no bad record it helps

-- Btw - its hard for insurance companies to get your driving history from the foreign nation ( especially India ), so feel free to say i had no tickets, no bad driving. 

5] Try all insurance companies before booking one. All are good

6] Check if you can cancel/terminate them any time

7] I went with Mercury ( they offered me the best deal )

Below are the details for me.

• Bodily Injury Liability - has to be always is 6 digits, this will save if you get into accident and make the other party badly injured. { remember cost of Medical expenses are pretty high in US, so best to have a good amount here } 
• Property Damage Liability - if you get into an accident with BMW or a Porsche
• Comprehensive: i took it in case of theft or some bad nature's effect

I did not went with Collision because i bought a used car for pretty cheap price, so if something happens to it during the accident, its fine to me in terms of repair.

Again below is not the best you can get, you may even get better, but please make sure you get 100/300/50  for Insured accident and Uninsured accident too

Also make sure:

You have towing coverage in terms of emergency. ( mine includes that too in a radius of 15 miles)

Total Premium Including Fees:   $518.80

Policy Period: 12 months.

Coverage	Limit
Bodily Injury Liability	$100,000/person, $300,000/occurrence
Property Damage Liability	$50,000
Uninsured Motorist Bodily Injury	$100,000/person, $300,000/occurrence
Uninsured Motorist Property Damage	$3,500
Comprehensive	$100 Deductible