Choosing quality insurance is extremely important.
There is nothing wrong with shopping around to get a good rate.
Before you purchase, research the insurance company and find out if they have a track record of protecting the people that pay them premiums.
Talk to family and friends and see if they have had good or bad experiences with any certain insurance company.
Once you find a good quality insurance company at the right price, buy enough coverage to protect you and your family and keep that insurance coverage current.