Having car insurance is the law in 48 out of 50 states, so it’s an essential no matter whator how much you use it.
Car insurance policies provide protection against property damage or bodily injury liability if an accident occurs. Other types of specialized insurance can cover damage to your own vehicle for a variety of reasons (collision coverage), incidents with uninsured or underinsured drivers, plus medical expenses incurred due to accidents. Some car insurance companies have coverage options that even include roadside assistance or that can be bundled with homeowners insurance, if you have a house. Depending on the insurance you get, you could have limited or full coverage, though most states require all drivers to at least have liability insurance.
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