Anybody that owns or is looking at buying a car, truck, van, motorbike will need insurance, it is quite simply the law. So asking yourself do I need auto insurance is yes for 90% of us that are old enough to drive and of course 100% of us that hold a liscence.
Just driving your car a short distance to the shop is a risk that needs insuring against. You may be the best driver in the world but the weather, road conditions, other drivers and even pedestrians are all factors you have no control over.
What if somebody walks out in front of you and you swerve to miss them only to hit a parked car, a hole in the road causes your tyre to blow out, somebody breaks into your car and steals your belongings, your car is stolen, there are hundreds of scenarios that could see damage come to your vehicle. Without insurance cover you are in significant trouble!
You need the cover that will pay for any damages that occur to your vehicle or replacement should it get stolen, or liability should you be at fault in an accident.
It is also NOT possible to purchase tax for your vehicle without proof of a valid auto insurance policy in the UK and in America it is possible to go to jail in some states if you do not have the mandatory insurance in place.
The process of buying auto insurance can seem incredibly daunting and prices vary considerably across the market. With a bit of knowledge it can be made very simple. You should really be asking yourself now what type of auto insurance do I require as opposed to do I need auto insurance?
To find out about the different types of auto insurance available please click here.