Although everyone is different and the answer to the question, "how much auto insurance do I need," differs for every individual's needs; I believe that there is a base explanation to this question for everyone. When reading this article keep in mind that there are two categories of coverages that people shop. The first, liability insurance, pays damages to other people thus protecting you from litigation. The second category is all the additional coverages combined. These are coverages that help you and your vehicles.
A primary concern for many insured is that they do not have any "gaps" in their coverage. The first coverage that I approach when they bring this subject up is the umbrella policy. This is a great policy for both personal and businesses to help cover any missing protection.