There are many reasons why you should get car insurance. One of the main being it is required by the law. Each state has its own rules and regulations, in New Jersey in particular you are required to carry at least minimum coverage. To be caught driving without car insurance can result in receiving fines, increase in future insurance cost, as well as having your license and/or registration suspended. Another reason to ensure your car is it saves you time.

Depending on the level of coverage you chose your insurance can help you cover medical bills in case of injuries as well as provide you with legal protection. In case you provoke an accident it helps you take responsibility while protecting you assets. At the moment of an accident you will benefit more from having paid for insurance that will cover repair costs.

The money saved by not paying insurance often times isn’t enough and puts you at risk of losing your car or home if you are unable to provide the money. Insurance might not seem necessary if you consider yourself a safe driver, but there are other factors such as nature, or careless drivers that can cause damage and that is when having insurance pays off.