After struggling for years with an incredibly expensive insurance plan, I realized that there had to be something that I could do to make things right. I started shopping around for a business that could help me to make things right, and I was able to find an insurance policy that fit well with my budget and my lifestyle. The premiums were low and the coverage was great, which is almost unheard of these days. This blog is all about choosing incredible insurance coverage for you and your family, so that you can enjoy a happier, healthier life. Check out this blog for more information.
Car insurance is one of the most useful and common insurance coverage in the country, but some people still don't have it. Here are some of the excuses people use to avoid buying auto insurance:
They Think Car Insurance Is Expensive
Car insurance might be expensive, but that shouldn't stop you from buying coverage. First, there are tons of things you can do to reduce your coverage rates; here are just a few of them:
Secondly, buying all available coverage will definitely see you paying higher rates. You can greatly reduce your rates by only buying the coverage you need. For example, you can forgo comprehensive cover if you drive an old car that isn't worth much. Thirdly, even if your financial situation does indeed make car insurance expensive for you, the alternative of going without coverage is even worse. For example, if you don't have coverage, you will have to:
In short, the cost of driving without coverage is way more expensive than any amount you may pay for insurance coverage.
They Don't Drive That Much
Another reason some people don't buy auto coverage is that they believe they don't drive enough to warrant the purchase of insurance. The danger of this kind of reasoning is that there is no amount of driving that triggers the need for auto insurance coverage. You need to be covered even if you drive once per month or less than that. For one, you can be involved in an accident even if you drive once per year. Secondly, auto insurance covers other risks that are not associated with driving (such as theft or vandalism). Thirdly, the law requires every driver to have valid liability coverage every time they operate car insurance coverage.
They Don't Own Cars
This is the third excuse others use to avoid buying auto insurance. This argument doesn't hold any water because car insurance isn't just for those who own cars; it is also useful for those who don't own cars but drive or plan to drive in the near future. For example, if you drive rental cars, borrow friend's cars or use ride sharing programs, you may need auto insurance coverage because the coverage for those cars may not extend to you, may be nonexistent or may be inadequate for your situation. The only situation in which you may not need coverage is if you don't drive, don't own a car and neither expects to drive or own a car in the future.
Contact an auto and home insurance provider for more information and assistance.
Share28 October 2017
