3 Reasons Why You Need Car Insurance

By Tamiera Vandegrift on February 4, 2018

Ben Franklin once remarked that there were only two certainties in life: death and taxes. There is one certainty that he forgot: car insurance. Legally, every driver is required to purchase car insurance for their vehicle, but esurance reports that only seven out of eight drivers actually fulfill this requirement. This might not seem like a big deal, but really think about it for a moment. Out of every eight cars you see on the road, there is one driver cruising around without car insurance. If this doesn’t frighten you even in the slightest, then you might just be the person driving around without car insurance.

In all fairness, car insurance can be a little pricey, especially for new drivers. Car insurance for people from age 18 to age 21 can amount to an average of $300 to $500 per month. If you’re relying on your salary as a barista or an intern, these numbers can certainly be daunting. However, no matter how intimidating purchasing car insurance may seem, it is still a necessity for driving safely and without negative, even deadly, consequences.

Keep reading for all the reasons why you should keep the price tag out of mind for a moment and purchase car insurance.

red car, man, man with glasses, driving

Image via: www.pexels.com

Save Yourself from Awful Consequences

First and foremost, driving without car insurance is against the law. The text is in bold so that you, my reader, understand how serious this matter is and that driving laws are nothing to be messed around with. Driving on the road without car insurance is simply asking for trouble. The whole point of having car insurance is to protect you and your finances in case something goes wrong on the road. Disobeying this law can have serious consequences that vary depending on where in the country you live. If you are found to be driving without car insurance, you run the risk of paying extremely hefty fines, losing your driver’s license, your vehicle registration, or more! As if that isn’t scary enough, what happens if you’re caught in an accident without car insurance?

The legal consequences are bad enough for just driving without car insurance, but the consequences of getting into an accident without car insurance are even worse. If you are injured in the accident or your car is damaged, guess what? You’re responsible for covering those costs. If you’ve caused personal or property damage to the other driver, they can sue you. If you don’t have the money, they can take away any assets you have. The costs of car insurance are worth more than paying an innumerable amount of money should something go wrong. If paying for car insurance seems too expensive, you might want to reconsider driving until you can afford it.

police, siren, cops, driving

Image via: www.pexels.com

Save Yourself from Inconvenience

Accidents on the road and be absolutely messy, stressful, and most of all dangerous. With insurance, you will have help guiding you through every step in the process. Working with the other driver’s insurer, filing claims, and getting repairs can be an absolute mess and no one should have to deal with that all alone.

With insurance by your side, you’ll be able to walk through all of the hassles relatively quickly without much worry on your part. Besides covering all of the money you otherwise would have lost without insurance, having car insurance can also help you to earn money back depending on your individual insurance plan. Getting into all types of car accidents and annoyances can be a hassle, but if you have car insurance, your company will really have your back.

Save Yourself from Stress

Let’s face it. Being on the road is very stressful. Drivers can be extremely unpredictable and there are a ton of potential hiccups you could run into on the road. Don’t take it personally. Even the best drivers run into trouble from time to time. It’s only natural and it’s only human. However, this means you have to take the proper precautions to protect both yourself, your wallet, and your finances. There’s no better way to do that than by doing all of your research and finding a car insurance plan that’s right for you and your needs.

Besides, there are car insurance plans that will benefit every type of person. You could find a car insurance that is a supplement to your health insurance. Are you a straight-A or straight-B student? If so, your car insurance bills could potentially be a lot lower. The point is that anything can happen on the road. Even the best of all drivers should be prepared for the worst. Save yourself the anxiety and buy car insurance.

The biggest mistake that any driver, novice or veteran, can make on the road is not purchasing car insurance. However, by not purchasing car insurance, the only person you’re hurting is yourself. Not only is driving without car insurance illegal and a potential catalyst to horrible consequences, it is also dangerous and irresponsible. Be safe, be smart, and be legally savvy. Buy car insurance. You’ll thank yourself later.

Tamiera is a senior at Florida State University, studying Editing, Writing & Media and Digital Media Production. When she's not geeking out about movies and puppy videos, she's on her way to a career in screenwriting, while working intensely to finish a few novels before graduation. Besides writing, Tamiera is otherwise obsessed with Coldplay, feminism, dystopian novels, and various types of junk food. She hopes to see one of her works on the silver screen and eventually finish an entire tube of Chapstick.

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