Yes you do! And here is why:

1. You need it for legal reasons

Almost every state requires you to have insurance.
In some states, you will be asked to have proof of insurance when you register
or if you have an accident. You might even have to carry it at all times in your car.

Again, depending on your state, the consequences of not having your car insured
can be very large.
Those include:

-A fine as high as $1000
-Licence and registration suspension
-Up to 1 year in jail


2. Even basic coverage makes a big difference

Depending on the company you choose to insure your car, the basic coverage plan
might vary. It will however mostly include:

* Bodily Injury Liability
This is crucial. This covers injuries that you may cause to someone else in an
accident. This involves very large amounts of money, especially if the accident
is followed by legal actions against you.
* Property Damage Liability
This is the same, only applied to material damage, be it someone else's car
or public property.

What usually isn't included in your basic, required by state, coverage is any coverage
of your own vehicle's damage that might be caused by an accident.
The advantages to this type of coverage are obvious though; not everyone can afford
to just replace a car after an accident.

Find this article here: http://www.mycicentral.com/need.html

More information about Car Insurance and getting reliable quotes at: http://www.mycicentral.com/
Tags: money, consequences, quotes, insurance, legal actions, car insurance, bodily injury liability, property damage liability, coverage plan, proof of insurance