The car has moved away from being a luxury to being a necessity. Everybody has one. Maybe because of the rise in the numbers of cars, there is a rise in the numbers of accidents as well. It's after being in an accident, when your car is badly damaged, that you'll either be thankful of your car insurance covering the costs or regret the fact that you never bothered. Regardless of the legality of driving without car insurance in many countries - or lack thereof - the sheer amount of damage that can be done to your car can be devastating if you never bothered with insurance.
Ignoring car insurance is not an option any more. If you own a car, you will have to make sure that you find a policy that provides you the best coverage. Note that "best" doesn't mean "most expensive" (as any legitimate form of car insurance can sort out the legal side of things in most countries) simply because the reason you're taking out insurance is to stop yourself from being potentially a few grand out of pocket when the repair bill comes in. At the same time, remember that you could be feeling the pinch when a certain amount goes into paying the premiums on the policy.
Let us say that you end up spending more on insurance than you do on your car, and don't have any accidents. This should really not be the case. If it is, then, you will have to think about looking at a new insurance plan. Regardless of that, though, if you happen to drive in an area where car insurance is a legal requirement (vast swathes of the world, really) then you'll need some kind of insurance scheme, but it doesn't have to be the most costly one.
It may be a good idea to switch to a different insurance company if your current one seems too expensive. But the fact of the matter is that when you do need to call on your insurance you'll almost certainly wish that you hadn't switched. In fact, this is the reasoning that many use as they stick on with a more expensive plan rather than move over to a cheaper one. It's a little like a loan that works in reverse: instead of getting the lump sum of money at the start, you receive it at the end. With an insurance policy in place, you don't have to worry about whether or not your car repair expenses will be taken care of.
The peace of mind that comes with knowing that, should someone damage your car, sorting out the problem is relatively hassle-free is more than enough to warrant the relatively small payments. If you are keen to avoid enormous repair bills, this is the way to go. The point to emphasize is that being without a car when you, say, travel to work everyday in one can cost you dearly due to the sudden extra amount of effort that you have to put in to earning the money to pay for a new set of wheels. If you were insured at the time, however, many policies include a "courtesy" car. In case of an accident, you can drive around in the "courtesy" car while waiting for your car to get back from the garage.
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