Most people get quite angry when they realize just how much money is taken each month by auto insurance, though it is quite important to have. If you live in St. Augustine, you may wonder whether you could get away with not having auto insurance, but there are many advantages that you should consider.
The Law
It is important to realize that each state has specific rules about auto insurance. You are able to get the minimum amount of coverage required by law, but if you do not get the minimum amount, you could pay hefty fines or be put into jail, depending on the state in which you live.
Readiness
Most people live paycheck to paycheck, making it all but impossible to handle financial emergencies. If you have car insurance in St. Augustine, you know that your car is covered. If someone were to hit you with their car and damage your vehicle, the repairs would be paid. Depending on the type of insurance you get, the same would be true if you hit someone else with your vehicle.
While auto insurance may not cover every little thing, you can still be financially responsible by having it. Many times, the insurance company will visit you and check out the vehicle and provide an estimate of costs and what they are willing to pay. If your costs are more than their agreed upon amount, you may have to pay a little out of pocket or do the repairs as they request.
Sometimes, the damage is more cosmetic and will not hurt the vehicle if you drive with the problems. In that case, you may decide to wait for repairs and continue driving with the damage. However, in most auto insurance cases, you should get it fixed as quickly as you can if you are going to use insurance to cover the expense.
Security
In many cases, people feel more secure because they have auto insurance that will help them fix their car so they can continue to drive and do necessary errands. Many people in St. Augustine would be lost without their car as they need it to get to and from work, to the store for groceries and necessities and to take sick children to the doctor.
While all these reasons are great advantages of auto insurance, it is important to choose your provider carefully. It is helpful to save money whenever possible, but ensure you have enough coverage for your vehicle and needs.
