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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 o (more...)

Think how much money you could save every month if you didn t have to pay for car insurance! Of course that s not possible. Here in Missouri it s the law that if you drive a vehicle on any public road you must have car insurance.

But the law doesn t say how much you have to pay for it!

It turns out there really are several things you can do that will make your car insurance more affordable.

First and foremost is your driving record. Do not drink and drive. If you are convicted of driving under the influence or of driving while impaired, your car insurance premiums are going to go through the roof and there won t be much you can do about it. The same goes for speeding tickets. If you drive fast and/or recklessly and you get caught, your car insurance will be sky-high for years to come.

Before you ever walk onto a showroom floor looking at new cars talk to your insurance agent about the insurance premiums for the set of wheels you have your eye on - the more expensive and t (more...)