Everyone who drives need auto insurance. However, a lot of drivers still drive around their towns or cities uninsured because they think they will never encounter and accident. But the reality is that accidents happen and thousands of drivers get into one everyday.

We need to have vehicle insurance for our own security and not think of it as a burden. With Car Insurance, you protect yourself, your car and other drivers and people on the road. You may be paying a lot of money for your monthly premiums but if you are ever involved in a car accident or car trouble, the auto insurance company will subsidize your costs to pay for repairs, hospital bills and sometimes even legal bills .

So we established that it is important to get car insured. Now the question is, how do you decide what policy to get?

When auto insurance shopping, you need to find out what coverage you state requires you to have, and realize what additional coverage you may want for yourself. Consult with the DMV or your car insurance company to check since different states have varying requirements. To identify what additional coverage you may need, consider if your car is a luxury car or if you are letting a teenager drive a car.

The bottomline is we should get a car insurance policy to protect ourselves from further hassle in the future.