If you're driving around without car insurance you are probably breaking the law and certainly tempting fate. Here's why you should get it as soon as possible.
    All states have some sort of financial responsibility law that requires owners of vehicles to provide proof that they are financially responsible for injuries and damages their vehicle causes. Each state is different in their minimum requirements. The most common proof of financial responsibility is to purchase car insurance.
    Each state also has different penalties for driving without insurance. These penalties can range from several hundred to several thousand dollar fines, vehicle impoundment and even jail time. The threat of those penalties should be enough of a reason to purchase auto insurance.
What could even be more costly is if you are in an accident that is your fault and you don't have car insurance. On top of the fines, you could be responsible for paying all of the medical bills of the injured, plus paying for all of the property damage you caused. You may be sued and the costs of not having car insurance could be several hundred thousand dollars -- or much more.
When you purchase car insurance, you need to get the minimum coverages as required by your state law. These are typically called limits of liability for Bodily Injury and Property Damage. An insurance agent can tell you what those minimums are, or you can contact your state insurance department.
    When you shop for an auto insurance quote, get at least three different quotes because rates can vary from company to company. That's really the number one way to save on car insurance. If you've been driving awhile without auto insurance, a lot of companies may not want to insure you. At the very least, you'll probably have to pay a bit more than someone who has already had car insurance and has a clean driving record. Again, make sure to check out several different quotes.

    Scott Lunt is a freelance writer who writes frequently about car insurance. Get free comparison car insurance quotes at LowerYourInsurance.com. The site also features tips on saving on car, home, life, health and long-term care insurance plus a handy worksheet to help you when shopping for car insurance.

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Auto Insurance for Enthusiasts

     Most insurance companies will allow consumers seeking to insure their classic car the opportunity to drive their vehicle around 4000 miles a year. It is usually compulsory to purchase car insurance before taking a vehicle on the road. This policy goes above and beyond the typical coverage available to car owners, covering more than just the minimum liability.
     Now, in both cases if the two vehicles in the accident were carrying underinsured motorist coverage, their insurance company would take care of the excess injuries, and property damage costs not covered by your policy.
    Again, if you are carrying the same coverage's as listed above, 4 of the 6 people would be covered by your state minimum policy because everybody was under the $15,000 per person limit, but you maxed out your per accident physical injuries at $30,000, so you would need to take care of $15,000 of physical injuries on your own.
     California state car insurance minimums are $15,000 for the death/injury of one person in an accident and $30,000 for the death/injury of all the people involved in an accident plus an additional $5,000 of insurance to compensate for property damage.
     Did you know that in order to drive legally in most states, drivers are required to purchase a minimum of liability insurance, including property damage and physical injury? Car insurance is required in all states, to one extent or another, but drivers are still free to choose to what extent they cover their personal property and health.
     The important thing to consider while looking for car insurance quotes is that one should always shop around for the lowest car insurance rates. Buying car insurance online saves time and money; you just fill in your details, get a quote, do a comparison between quotes from different providers, choose the most beneficial one, fill the application, save it, pay the premium and in some states even print out the insurance card yourself.
     If you are a first time buyer, or you have a limited budget for your car, you should carefully consider the different insurance policies available, as some might suit you better financially.
This type of car insurance covers the cost of repairing or replacing a vehicle if it is hit or damaged by another vehicle or as the result of a single vehicle accident.
     Fortunately, there are ways for everyone to find affordable car insurance, so that those who claim they can't afford it are brought aboard the insurance bandwagon. Did you know that your good driving record could actually help you get a low cost car insurance? Cheap car insurance is offered by companies to drivers who have a squeaky clean record and have never made a claim in all their years of driving. Just because you live in New York doesn't mean you have to pay outrageous prices for your car insurance.