I am trying to look into my options for auto insurance to see which of the plans that I can afford will cover the most. I really wish there were standard plans that everybody offered so it was easier to compare, but different companies offer different discounts so it takes some time and effort to figure out which is really the best option for me to choose. I am trying to figure out what is the least coverage that I need so that I make sure to pick a plan that has at least that much. What is really optional?