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Never underestimate the benefit of having insurance. You never know when you may need it. Some people don't even realize that it is the law now in many states that requires drivers to have insurance. It may be important to also add uninsured or underinsured motorist coverage to your policy. This will cost a few extra bucks.
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That way if someone causes an accident who simply bought the state minimum required level of insurance, your coverage will start where their policy leaves off. Their insurance will pay your damages up to the limits specified in their policy. However, many people are still driving without coverage at all, even though it's now the law almost everywhere. If this is you, you could face additional fines and tickets if you get pulled over by the police. You could even lose your license. You should play it safe all three ways. Have your assets protected in case of an accident that you cause. Have additional insurance to cover a problem caused by someone who is underinsured. And have your right to drive protected in case you are stopped by the police. When you consider all the implications you will find that it is simply the most cost effective thing to do.

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