Why Do I Need Car Insurance?

April 29, 2016

Everyone needs car insurance in the United States. To legally drive a car, you must prove that you have car insurance. Driving without insurance can result in heavy fines and even jail time, but it’s also extremely dangerous. It’s not just you who is at risk if you drive without car insurance, other drivers are placed at increased risk as well.

Mature Business TeamWhy every driver needs car insurance

Most people don’t give it much thought, but every driver needs car insurance. A driver without car insurance places themselves at serious legal and financial risk. The increased risk is not theirs alone. Other drivers and pedestrians are also at risk.

If an uninsured driver were to have an accident, for any reason, and were to injure another driver, pedestrian, or property, they would be solely responsible for paying for damages, hospital bills, and even funeral expenses. The Rocky Mountain Insurance Information Association has done research on the soaring expenses related to vehicle incidents. Insurance is there to pay these costs when an incident occurs and to help keep you from being sued for these costs. Victims of vehicle accidents involving uninsured drivers often have no recourse but to sue for medical expenses and property damage if their own insurance limits are less than the total cost of damages. In this way, insurance protects drivers and pedestrians alike.

Is Car Insurance Cost a Problem?

Cost is a major factor for many people. This is especially true for those who have limited income or may have recently lost a job. Still, if you plan on driving, you can’t afford to be without insurance. There are a number of insurers out there who provide low cost insurance for people in just such situations. These auto insurance companies often work in conjunction with your state’s department of insurance, so we recommend checking their website for programs that can help you stay insured.

Find Out How to Save on Car Insurance

Finding the best deal on car insurance isn’t easy. Just trying to compare auto insurance prices can be tricky and very time consuming. Fortunately, it’s our purpose to help you get the best price by having you fill out a single form, after which we return multiple car insurance quotes from different auto insurance companies. Want to know how it works? Take another minute or two and read about why you should compare and other ways you can save.

Buying auto insurance can be a confusing and disoriented process. We want to make sure that our users can make informed choices about their car insurance, selecting from as many options as possible. Read our Auto Insurance Buying Guide to educate yourself before you start a quote.

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