If you drive a car, many states require you to have an adequate liability insurance policy. It is your responsibility as a citizen to know whether or not the state where you reside requires auto insurance so you can adhere to the minimum coverage level for your state. If you are not insured and cause or get in an accident, you will not only face significant financial consequences with legal and personal injury fees, but will, in fact, be breaking the law.
As long as your auto insurance is in accordance with state law, you should not have to purchase a more comprehensive package. This is a great way to save your money and if you consider yourself to be a safe driver and reside within a relatively low risk area, you could drop certain insurance features like towing or windscreen coverage and end up saving a bundle of money.
Consider using liability insurance when shopping for automobile insurance. This is the lowest available coverage options required by law, but it is also the cheapest option. If you do not have a car that is worth a lot of money, this is the best option for you and if you do happen to have an accident, your car will not be covered, but any damage done to other vehicles or injuries sustained by individuals will be paid by your insurance agency.
Here’s the top for insurance agencies that we recommend
- State Farm
- Progressive Insurance
- The Hartford
For more information on the minimum amount of insurance required for your state, please contact your nearest DMV office.