Are you confused with what coverage you need on your car insurance policy? Most drivers don't understand basic auto insurance coverage options and which combination makes sense for them. Today insurance companies try to differentiate themselves from the rest of the pack by coming up with fancy names coverage options. This only confuses the customer when they are trying to compare rates from other companies which is probably the plan all along. I will try to better explain which options you have for car insurance and why you might need them. As an auto insurance consumer you need to understand the two types of coverage available on any standard car insurance policy.