Everyone tries to drive safely, but there’s nothing you can do about the other drivers. In the last century, they might just be fiddling with the radio or cassette player. Then the CD and cellphone came along. Now there’s texting. And, just to make sure no-one’s watching the road ahead of them, the latest generation of vehicles is going to have PCs built into the dashboard with the possibility of video or television streaming. With the statistics showing a rise in the rate of traffic accidents despite people driving fewer miles (the higher cost of gas has reduced the number of miles people drive), you need plenty of metal around you for protection with airbags and all the other safety features. And then there’s the question of insurance.
Auto insurance takes some of the pain out of an accident and pays all the big bills, including medical expenses. In all but three US states, everyone is required to carry a minimum level of liability insurance. Failure to insure is usually a criminal offense. In some states, the courts can confiscate your vehicle if you are uninsured. But if you are buying your vehicle with an auto loan, the finance company will require you to carry collision and comprehensive insurance as well. Even when you own the vehicle outright, it’s always worth carrying enough insurance to repair it and pay all your own medical expenses should you be injured. It makes no sense to be out of pocket when the accident is not your fault.
To find the right level of auto insurance, you should look carefully at the vehicle you drive and your own financial position. Once you have fixed the level of risk you are prepared to carry yourself, shop around. The more auto insurance quotes you get, the easier it is to find coverage at an affordable price.
This site is completely free. You can run the search engine as many times as you want, checking for different makes and models of vehicle, seeing the difference in premium rates given the deductible you accept, and so on. It will not cost you a dime!
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