Do you have auto insurance? If you don?t, you may want to rethink your choice. It may feel like just another unnecessary monthly expense, but at the end of the day, auto insurance can make all the difference if you are in an accident. One of the most difficult parts about auto insurance is finding the right auto insurance company and the best auto insurance coverage options. Once you?ve tackled that part of the process, finding auto insurance that meets your needs is really quite simple.
Interested in learning more about the importance of auto insurance? Keep reading to find out why every driver should be insured and how to find the best auto insurance coverage options to choose from before making your final decision.
How Many Americans Choose to Drive Uninsured
Whether or not you are currently driving your car without car insurance, you probably wouldn?t believe how many other people are doing it, too. It?s actually quite common to skip out on auto insurance when you buy a vehicle. In fact, around 16 percent of people driving in the United States at any given point in time choose to do so without the proper car insurance.
Think about it, when it comes to your health insurance, you are probably nervous if your plan has expired and you haven?t gotten a new one yet. Every time you walk through your front door, you are concerned for an accident that may take place. In the back of your mind, you?re thinking about how expensive any trip to the doctor?s office might be without insurance. Even if you do have health insurance, you still consider whether or not your plan offers you the best options when it comes to coverage and cutting costs. So, why would you ever go without auto insurance?
What Happens if You Don?t Have Auto Insurance
Just like when you get sick and need to go to the doctor, when you are in a car accident, repairs are going to cost you. With car insurance, you can reduce the fees related to any repairs. In fact, if the accident was not your fault, you may not have to pay anything in terms of repairs and replacements. It can get even trickier if someone is injured in an auto accident when one or both drivers don?t have auto insurance.
You may not think this occurs very often, but statistics show something different. Due to the fact that so many drivers get behind the wheel without auto insurance, around $2 billion is lost every year due to costs. Those costs are to the American economy, too. Car accidents occur so frequently that it is not worth driving without auto insurance just to save a few dollars here and there every month.
If you or a loved one was injured in an auto accident without insurance, it would end up being devastating. Around 1.25 million people lose their lives every year due to car accidents. Even those who survive have medical bills, some which last their entire lives if they end up with some type of disability after the car accident.
Neglecting to get auto insurance just isn?t an option in this day-and-age. You wouldn?t forgo your health insurance, so don?t choose to avoid searching for the best auto insurance coverage options before you get behind the wheel next time. You may be surprised that you find deals when searching for auto insurance that help make it more affordable for you. You can even get different deals throughout the year for equipping your vehicle with certain items or keeping up on repairs and maintenance. For example, by adding four winter tires to your car, some companies reduce your payment by 5%. Always be sure to ask about the latest deals and discounts when shopping around for auto insurance coverage options.
Do you drive without auto insurance? Have you decided to start searching for the best auto insurance coverage options in your state? Let us know in the comments about your experience finding auto insurance that works with your budget.