An auto insurance policy is, no doubt, a burden to most. Some folks insist on being without it. But is this a wise path to take? This article will help you make more informed choices...
1. You can do without this policy and still stay law-abiding provided you own a car or drive one. But things do happen that makes it necessary for you to be "free to drive" even if you opt to NOT drive always -- Things like emergencies that could involve life.
2. Some folks insist on driving without an auto insurance policy even though they know it's against the law. When they get caught, this could have dire consequences on their lives afterwards.
In mild cases such people get to pay hefty fines along with a suspension/revocation of their registration or license. For those who get the worse deal, they spend some time behind bars.
3. Even if the law didn't make an auto insurance policy mandatory, imagine would be your lot if your car is hit by another uninsured motorist. Consider also what would happen if you car is stolen, damaged or totaled. With the right amount of coverage, you'll have little to worry about.
4. What happens if there are liability claims against you? I hope you know that lawyers can go after your investments to get reasonable compensation for their clients. How do you think the judge will treat your case when it's proven that you're uninsured?
Looking at the above reasons, being without auto insurance certainly isn't a viable alternative. Here are better options...
1. Get the minimum required by your state especially if yours is an old car. Although this might NOT give you the best coverage, it will, at least, keep you on the right side of the law.
If you car is still new, don't go with this. Get comprehensive and collision coverage. Take a step further even and also get coverage from uninsured motorists. This will do you a world of good. However, drop the liability part to the barest minimum.
But to ensure you don't have issues with liability claims, get an umbrella policy. Per premium dollar spent, you'll get far more extensive liability coverage with this policy.
2. Finally, take some time out to do thorough comparison shopping. This way you'll get auto insurance coverage for a lot less...
The quoting process is entirely easy, quick and non-obligatory. In just five minutes, you should be through with a quotes site. Most of these sites return quotes from at least five different insurers. This can save you hundreds of dollars if done right.
About the Author:
If you want to enjoy affordable auto insurance visit: Free and easy auto insurance quotes and Affordable car insurance quotes -- No obligation. Chimpuriche Chihunrumnanya writes on insurance.
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