Eddie Griffin and the low-flying pelican have been all over the news for the past few days. Ever since Griffin drowned his Bugatti Veyron in a Texas lagoon after being startled by the bird. The pelican got away unscathed but the $2 million Bugatti died a slow death according to The Galveston County Daily News.

What kind of insurance would the owner of a Bugatti Veyron get? Liability, collusion, or comprehensive? Does driving your car into a lagoon classify as flood damage? Of course none of this really matters to us, your average car driver. What does matter is finding the right insurance for you.

If you own a car in the U.S. you must have insurance. How much you pay depends on your age, driving record, where you live, vehicle type and age. As well as the kind of coverage you require. Here are a few simple steps for finding the right insurance for your car.

1. Determine what kind of coverage you need (consider state minimums).
2. Request multiple quotes for insurance providers.
3. Compare quotes, then call winning providers asking for discounts or special offers.
4. Make sure the insurance company is reputable check your state’s insurance departments and JD Power’s consumer satisfaction surveys.
5. Read the fine print before you sign, don’t be afraid to ask questions.