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I learned a lesson about inexpensive car insurance when I was younger: Insurance agents lie. I would love to be able to say this is rare, but my experience tells me it is depressingly common. Apart from lying, they just won't tell you some things you need to know to save money.
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I assumed that this minimum was what my insurance company was giving me. Only after paying the premiums for many years did I learn that they had lied. I didn't have the most inexpensive car insurance policy, as they claimed. They gave me not the minimum coverage required by law, but their own "company minimum." I was pissed off.
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