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Auto insurance can be very expensive for some folks. However, is doing without it a viable alternative? We’ll look at a number of angles to this that will help you make a very informed decision.

1. For those who have chosen lifestyles that mean they’ll never drive a car, this might work. However, it does happen sometimes that things happen and you suddenly wish you could drive your own car. Does it really make sense to put yourself in such a situation?

2. If you choose to “call their bluff” and drive without it you can get away with it for some time. But bear in mind that you could land yourself in a serious mess when you get caught.

At best, the penalties for non-compliance with insurance laws are a substantial fine, license and/or registration suspension or revocation. But it can get worse: A jail term.

3. Adequate coverage will help you recover if your car is stolen, totaled or damaged. You’ll be the one to benefit in this situation — NOT the law enforcement agent.

4. What happens if there are liability claims against you? I hope you know that lawyers can go after your investments to get reasonable compensation for their clients. How do you think the judge will treat your case when it’s proven that you’re uninsured?

Need I say more? The few reasons I’ve given so far do show how important an auto insurance policy is. If you’re bothered about high rates, here are ways to cut down costs…

1. Each state has a mandatory minimum. This is your best bet if your car is old (It’s Kelly Blue Book value won’t make paying for collision and comprehensive coverage worthwhile).

If you car is still new, don’t go with this. Get comprehensive and collision coverage. Take a step further even and also get coverage from uninsured motorists. This will do you a world of good. However, drop the liability part to the barest minimum.

But to ensure you don’t have issues with liability claims, get an umbrella policy. Per premium dollar spent, you’ll get far more extensive liability coverage with this policy.

2. While you take every other step to reduce your rate, don’t forget that the surest way to pay less is to do thorough comparison shopping…

All you’ll have to do is fill a simple questionnaire at each site. For this, you’ll get five or more quotes from different A rated insurers. Do this over and over again with different insurers until you find a deal that gives you the right coverage at an affordable rate.