When clearing an auto insurance package you would want to include collision, property damage and medical coverage. These are items that would be high cost to you if you were the one that caused the accident and had to pay for the person that you hit. When the officer arrives at the scene of an accident a traffic violation is normally handed out at that time. Sometimes it is very obvious who fault it is and sometimes it is not. If you are the one getting the ticket though it allows the other person the chance to get your auto insurance information so they can place claims against your insurance policy. If they needed car repairs they would deal with your insurance claims agent. If they had medical bills the same would apply. The person would and should not be contacting you. This is all handled through the auto insurance company.
If you find as you are putting your insurance package together that the premiums are too high you always have the option to look online for free auto insurance quotes. You can check with multiple companies to see who would give you the lower rate for your package with the same coverage and services. This should be something that you do routinely anyway. Sometimes we all get talked in the rut of doing the same thing because that is how it has been done for so long. Everyone should check to see if they can save money on their auto insurance periodically.
Sometimes you find the independently owned agencies offering specials as they are trying to get their business off the ground. You may be the one to benefit from their specials. It does not take long and you check multiple companies in a short amount of time. This may even be something you ask your teenager to do for you since most are savvy on the internet. They will always have to be aware of insurance rates so why not let them help you now while you look around to see what is out there for you. Then have them price the policy if they are added to it so you can get an idea of what the upcoming expense will be when they start to drive.