subject: 3 Reasons You Need Car Insurance [print this page] Why do I need car Insurance? I swear every day I either see a car insurance ad on TV, or hear an ad for car insurance on the radio while I'm driving my car to work. Sometimes I wonder why there is so much emphasis on auto insurance and what I am actually paying for anyways. Here is what I have learned about car insurance basics.
First reason to have car insurance? You're required to.
You need car insurance for 3 major reasons. The first is that it's usually required by state law to have your auto covered by the most basic car insurance available, usually including liability. That way, if you are the driver responsible for a car accident or wreck at all, you have coverage for being a little silly. It sounds dumb, but everyone does stupid things with their car at some point or another and will be glad they have the bare minimum car insurance coverage of liability.
Second reason to have car insurance? You'd be crazy not to!
Car insurance, although another annoying bill you have to pay every month, is one of the best cheap things to spend your money on. If you have a car, having insurance will definitely save you so much money if anything were ever to happen to you or another person in the event of an accident. And let's face it: the event of an accident happening at some point in your driving career is staggeringly high. Hence the need for car insurance! If you are without car insurance or any type of auto insurance and you get into a car accident, you are going to be suffering financially for a long, long time because of it. It's better to pay a little now, and save yourself from the regret of wishing you had in the past after a major car accident with no car insurance to fall back on.
Third reason to have car insurance? It protects your assets.
You likely spent a hefty sum of money purchasing your car or getting a loan for your car at some point. If anything were to happen to your car and you find yourself without insurance, you would still have to be paying for your car loan, in addition to the costs associated with damages and your car accident. Not good news.
So all in all, car insurance is an incredibly smart decision to make. If you are looking into your options for cheap car insurance, don't be worried. You have plenty of options with numerous car insurance companies vying for your business. Don't be afraid to search to get rates and a decent insurance quote from each company. Go online if you need to. If you are willing to search you will find good, cheap car insurance rates. Make a good decision, save yourself worry and stress over your future or the future of your coveted auto. Go out and get yourself some car insurance!
by: Chang Hildebrandt
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