<prompt> Human: Since we have a discussion on insurance in a front page post that is convuluted to hell I figure now is a good time to ask.Can we get a good, fairly detailed rundown of how auto insurance works in the US, how do states factor into the process, what we need to know about insurors, and how do we make sure we arent taken advantage of.Thanks  <response>: I asked a similar question a while back, heres the thread for some additional resources : 