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:

Affordability: While location plays a large role in how much drivers will pay for a policy, quality auto insurance policies have premiums that are at the low end of the reasonable spectrum.

Flexibility: A company that offers all ranges of coverage, from liability to comprehensive, and the option to change levels of coverage and deductibles for each, is more likely to be able to provide a customer with ongoing satisfaction. Watch for companies that only offer the minimum insurance required by the state. While there is nothing wrong with minimum coverage, it will not help drivers who are involved in an accident and need medical care or a new vehicle.

Plenty of opportunity for discounts: Part of the joy of driving is receiving those discounts on monthly premiums for being a good student or a safe driver. Quality auto insurance policies allow drivers to lower their rate by adding safety and anti-theft devices onto their vehicles. Some will even discount premiums due to good payment history or taking a defensive driving or accident prevention course.

One trait of a quality insurance policy is one that doesn't necessarily receive adequate attention. It is the low-hassle factor. Policies that have an on-line component to them, a place where the insured can change policy information, pay the bill or just review the policy documents before adding a new vehicle, can save the policy-holder a significant amount of headache. This translates into less stress and more time to enjoy driving. With the proliferation of larger, more family-oriented vehicles, Americans are traveling more now than ever before. With so many drivers on the road, purchasing a quality insurance policy isn't just a good idea, it is a requirement.