Auto insurance premiums could be an unlikable expense, thus leaving many drivers to doubt whether or not they really need an auto insurance at all. In majority of cases, the answer is a  definite yes. Just because you are categorized as a "safe driver" does not mean you can get away without auto insurance. Definitely, there are so many things that can happen everytime you hit the road which drivers can never anticipate. Not only that driving without is illegal, this is also dangerous. 

State Auto Insurance Laws
Every state has a unique set of auto insurance laws, however, every state has financial responsibility laws.  This means that you must be able to prove that you are financially capable of covering the costs that you could possibly incur in a vehicle accident.  If you are not aware of what the insurance laws are  in your state, it is a lot wiser to  assume that you need to purchase some sort of bodily injury and property damage liability. You may also consult the insurance information institute.  Also, your state insurance department and your local auto insurance agent will all be able to discuss with you  the minimum standards of coverage required in your state.

Hitting the Road Without Auto Insurance
Whenever you're caught hitting the road without auto insurance, either because you're caught up in a car accident or because  a police officer asked you to pull over for a some other matter, you might be subject to criminal offense or prosecution and may be asked to pay  fines and/or spend time in jail. Your driver's license may also be suspended or lifted. Moreover, you'll be personally accountable for whatsoever legal injury caused to other vehicles or individuals with whom you had a collision with. This could possibly wipe away any financial assets.

Paying Less Than the Standard Auto Insurance Premium
A few low-income drivers might see it essential to drive to be able to get to their workplace, but they are not able to pay the monthly insurance premium set by the auto insurance company. In a few states, there are low-income driver legal requirements that allow for special prices and perks to those who could establish a sub-standard net worth. These people may as well bring down their premiums by choosing a higher deductible, though they'll then be accountable for paying up that deductible if a car accident should happen.

Compulsory Auto Insurance for rented Vehicles
It is still mandatory for a  rented car to carry the standard liability auto insurance. Nevertheless, your lender might even demand you to carry collision and/or comprehensive insurance coverage to be able to to protect their car. Go over your rental agreement to check whenever you're liable for any collision or comprehensive auto insurance premiums.