Auto Insurance Is a Good Idea, Even if It's Not Required

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Do I need car insurance?

Auto Insurance Is a Good Idea, Even if It's Not Required

Some drivers feel like they don't need auto insurance unless their car is under lease or loan. In reality, at least 47 U.S. states require their driving residents to have liability insurance and in 22 states, drivers are required to have uninsured motorist coverage. Even if your state doesn't require coverage, it's a good idea to have some level of auto insurance.

Luckily, there are many ways you can get discounts on these necessary coverages, as well as on collision, comprehensive, and other coverages. Some of your discounts can be obtained by:

  • Having an anti-theft system installed in your car. This can include car tracking systems and devices that lock your steering wheel.
  • Owning a car with airbags. The more airbags you have, the better. Airbags help prevent serious injuries.
  • Having anti-lock brakes. Anti-lock brakes help you maintain control over the steering of your vehicle when you're braking, thereby reducing the likelihood of an accident.
  • Buying a car with automatic seat belts. Automatic seat belts can reduce injuries in the event of an accident.

   

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