Why do I need car insurance? The simple answer to that question is because it's the law. In most areas the law requires you to have at least a minimum amount of car insurance to protect other drivers if you are at fault in an accident. It's something you did cause an accident should not be the responsibility of other motorists to pay for your mistake.

Another good reason for having car insurance is because in all accident can be financially devastating if you do not have the proper coverage. Automotive repairs, medical bills, legal fees etc. can add up to staggering amounts of money.

If all you need is the minimum amount of coverage, there are many low cost car insurance companies available. A quick search on the Internet can turn up multiple possibilities. When shopping for auto insurance you can get online car insurance quotes to help you quickly find the cheapest price.

If you drive a valuable car you'll probably want to get more than the minimum coverage allowed by law and in this case price is not your only concern. You'll want to also find a quality company that has a good track record of customer service. To find the best auto insurance provider will take a little bit of research. You can check with your state's Department of Insurance to see if their are any formal complaints filed against a particular insurance company. You can also check with private companies like JD Power and Associates or Consumer Reports which will rates insurance companies based on various factors including price, the claims process, coverage options, customer service ratings etc.