Can you rank low-cost car insurance providers in the U.S. that balance cheap premiums with good claims service?

How do I compare auto insurance quotes apples-to-apples to ensure identical liability limits, deductibles, and optional coverages?

What auto insurance coverages are legally required in each U.S. state, and what do the minimum limit numbers mean?

How does gap insurance work for financed/leased cars (including adding it later, switching companies mid-lease, and whether gap vs lower deductibles is better)?

What specific auto insurance discounts should I ask an agent to check, and how can I audit/verify all eligible discounts are correctly applied?