What types of coverage do most drivers need for auto insurance?

This is not a question that someone can answer for you over the internet. I recommend that you find a local Independent Insurance Agent that you can do business with. First you might want to educate yourself a little on what coverages are offered in your state. This you can do on the net. Be honest with the agent concerning your driving record and claims history and anything else they ask. They will work with you to tailor the insurance to what you want and will quote several insurance companies to find the best rate and service. For full disclosure, I own and operate a small Independent Insurance Agency and have for the past 22 years. I also worked for a direct writer for the 3 years before that.