If you have a car, you should also have auto insurance because most US states require drivers to carry a minimum amount of insurance. Even in the two states auto insurance isn't required by law, there are always financial risks that it can protect drivers and car owners from. When you buy auto insurance, you reduce this potential hardship and help to protect everyone. However, buying auto insurance can feel like a hardship to everyone as well. If you don't know where to start, here are the steps to buying and selecting auto insurance coverage: