Understanding such quotient rings is easier if one builds on intuition from analogous quotients. Modular polynomial arithmetic is analogous to modular integer arithmetic since, in both cases, we have available an (Euclidean) algorithm for Division with Smaller Remainder. This allows us to efficiently calculate canonical normal-form reps of cosets, viz. those of least size, i.e. remainders.
If $R$ is a ring and $\,f\in R[x]\,$ has lead coeff $\,1\,$ (or any invertible) then we can divide by $f$ with unique remainder:
$ $ for any $\,g\in R[x]\,$ there are $\,q,r\in R[x]\,$ with $\,g = q f\! +\! r\,$ and $\,\deg r < \deg f.\,$ Said equivalently, $\,r\,$ is the least degree element of the coset $\,g + fR[x]\,$ in $\,S = R[x]/f.\, $ This implies that a complete system of reps for the quotient ring $S\,$ is all such remainders mod $f,\,$ which is clearly the set of all polynomials of smaller degree than $f.\,$ They are all incongruent if unequal, else $f\,$ divides some difference $\,d\neq 0,\,$ contra $\,\deg d < \deg f$ (this depends on the lead coef of $\,f\,$ not being a zero divisor, otherwise e.g. $\,(2x\!-\!3)(2\!-\!3x) = x\,$ in $\,\Bbb Z/6).$
Same as in $\,\Bbb Z/m,$ we can transport the ring structure to this set of normal reps, e.g. to calculate the product of two reps, we multiply them as elements of $\,R[x]$ then reduce the result $\,{\rm mod}\ f\,$ to obtain the least degree rep of the product, i.e. $\,g * h = (g h\,\ {\rm mod}\,\ f),\,$ e.g. in your ring $\,\Bbb R[x]/(x^2\!+1)\,$ our reps are all $\, a+bx,\,$ for all $\,a,b\in \Bbb R,\,$ with product $(a\!+\!bx) * (c\!+\!dx)\,$ being
$$\begin{align}
{\rm mod}\,\ \color{#c00}{x^2\!+1}\!:\qquad &(a\!+\!bx)\ \ (c\!+\!dx) =\, ac + bd \,\color{#c00}{x^2}\!\! + (ad\!+\!bc)\,x \\
&\phantom{a\!+\!bx)\ (c\!+\!dx)}\ \ \,\equiv\ ac \color{c00}{- bd}\,\ +\:\!\ (ad\!+\!bc)\,x,\ \ {\rm by}\ \ \color{#c00}{x^2\equiv -1}\\[.2em]
\Longrightarrow\qquad &\!\!\!\!\bbox[5px,border:1px solid #c00]{(a\!+\!bx)*(c\!+\!dx) =\, ac-\color{c00}{bd}\,\ +\ (ad\!+\!bc)\,x}&&\\
\end{align}$$
This is just the usual rule for multiplication of complex numbers, once we rename $\,x\,$ to $\:i.\,$
As above, we can eliminate the use of rings and replace it by equivalent congruence arithmetic, as in replacing arithmetic in $\,\Bbb Z/m\,$ by congruence arithmetic $\!\bmod m,\,$ e.g. see here for an explanation of congruences $\!\bmod (n,x^r-1),\,$ i.e. where $\,n\equiv 0,\, x^r\equiv 1,\,$ as used in the AKS primality test.
This normal form rewriting using the polynomial division algorithm generalizes to multivariate rings over nice coefficient rings (e.g. fields, Euclidean domains) - see the Gröbner basis algorithm.