It may be a good idea to purchase more than the minimum coverage for car insurance in Orange County required by law. You should seriously consider taking out a policy that not only covers anyone that you may hit or injure in a traffic accident, but also that will cover you and anyone you are driving if you cause an accident. Note what level the limits are set at; choose a limit that is within your budget and that offers good coverage. If the limit is too low, this can cause serious problems if you are involved in a bad traffic accident and the medical bills go over what the insurance company is covering.