Your question cannot be answered without knowing other facts. These include:
1. The type and amount (policy limits) of coverage you wish to obtain;
2. Where you are located;
3. Your age and driving history;
4. The make and model of the car that you wish to insure.
First and foremost, be aware that cheapest is not always (and usually rarely is), the best. Therefore, do not make the decision based upon cost alone.
Insurance is, in large part, for your own protection.
For example, collision coverage will generally pay for the repair of your car irrespective of fault if you are involved in a collision. Depending upon the age and condition of your car, it may not be practical to maintain this coverage, as the premium may be disproportionately high relative to the value of the car. However, if the vehicle is financed, the lender may require it to protect the collateral (to ensure that there are funds available for repair and therefore, to maintain the vehicle's value relative to the loan).
Liability insurance is especially important, and is required by many states. Both physical damage and bodily injury liability insurance is available. They serve similar purposes by answering in money damages (either for damage to property or injuries to the person) in the event of a collision that is your fault. Moreover, liability insurance provides a lawyer to defend you in the event that you are sued from the collision. Note, though, that the liability insurance will pay damages only up to the limits (amount of coverage) that you have purchased and paid a premium. Therefore, do not shortchange yourself, as you may be held personally responsible for damages in excess of liability limits. If a judgment is entered against you, it can follow you for many years.
Another important coverage is uninsured motorist coverage. It is intended to compensate you for your own bodily injuries if you are not wholly At Fault for a collision and the other party has no (or insufficient) liability coverage. Normally, the amount of uninsured motorist coverage is commensurate with the amount of liability coverage that you purchase, but it is not a required coverage. You are taking a big chance to go without it.
There are other types of auto-related coverage as well, but for the sake of brevity, I have limited the discussion to the above.
Don't be taken in by the hype of "cheap rates". There is a great deal more to the analysis, and your entire financial picture has to figure into it. Deal only with a reputable agent who is licensed to transact insurance business in the state in which you live. Some major insurers also operate on line, and they can be fine, but beware of agents and brokers who emphasize only low rates, no down payment, etc.
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