Most people when they go shopping for car insurance tend to only look at minimizing the premium - they tend to gravitate toward getting insurance for the cheapest price. However, as with most things, cheaper is not always better-especially with car insurance.
Most insurance companies pander to this by always selling on price, rather than explaining what coverages there are and what minimums should be maintained. When it comes to liability insurance, always get the maximum available for the type of policy that you are getting. Saving a few dollars a month will pale in comparison when you are several hundred thousand dollars short of covering your medical bills after a car accident.
The level of your liability insurance is also important because the uninsured motorist coverage limits of your policy can only be as high as your liability. So, if you skimp on this, the uninsured levels have to be equal or lower.
The best thing you can do is to always purchase auto insurance from a reputable company and go for the most coverage you can afford for the protection of yourself and your family.