5 Reasons You Need Auto Insurance

A car accident can cost thousands, sometimes hundreds of thousands of dollars. There are medical bills, property damages, and pain and suffering costs that must be paid. Having car insurance can alleviate some of these costs from coming out of your pocket.

  1. Liability for Damages. If you are at fault, you could be paying for damages to property, other vehicles, or any injuries that others may have suffered because of the accident. Whether they were passengers in your vehicle or other vehicles, you will be responsible.
  2. Keep Your Risks Low. Without auto insurance, you are considered a “high risk” driver. Insurance companies will hesitate to give you a policy at a lower rate. You could end up paying twice as much in premiums when you do decide to get insurance.
  3. Total Loss Compensation. Having car insurance will provide you with security in the event that you are in an accident. If the accident results in your vehicle being unrecoverable, insurance may cover the cost of having your vehicle replaced.
  4. Other People’s Mistakes. You may be an impeccable driver and always pay attention when you are on the road, but there are many who do not. With the advent of texting and driving, you need to make sure that you keep your insurance up-to-date. Other drivers who are not paying attention may result in damage to you or your vehicle.
  5. Legal Issues. If you are ever pulled over by a police officer, you are required to provide them with your driver’s license and insurance information. Not having insurance can result in citations, fines, and possibly jail time depending on your history.

In Green Valley, Arizona, the Insurance Center of Green Valley is an independent agency that can help you find the right insurance for your needs.