It is an under-stated fact that driving isn't a right, it's a privilege. With luxury car and SUV sales increasing daily, it is apparent that many drivers want to feel very privileged to be driving. But while moon-roofs, third-row seats and On-star may make driving a bit more exciting, it doesn't lower the need to carry a quality auto insurance policy.

A quality auto insurance policy will provide a driver with the necessary coverage while also safeguarding them from financial damages and/or losses that can be incurred during an accident. All states require a minimum amount of standard coverage, usually categorized as liability coverage. However, the wise driver would do well to ensure that they are getting a quality auto insurance policy that also includes medical payment options, personal injury protection, and/or under-insured/un-insured motorist insurance. Most insurance companies also offer collision and comprehensive damages, at an increased cost to basic insurance premiums.

There is no single trait that makes a quality auto insurance policy, but the following are some qualities that make an insurance policy better than average: