Why Do I Need Auto Insurance?

Woman dealing with the aftermath of a car accident

Auto insurance can help protect you, your passengers, and the investment you've made in your car.

Auto Insurance Is Smart Planning

In its simplest sense, auto insurance is smart planning—planning that can help protect you from potentially expensive and unexpected surprises. Think of auto insurance as part of your total financial plan; it's a powerful tool that can help:

  • Safeguard the investment you've made in your car. Simply put, your car is an investment. Auto insurance can help you protect that investment. Whether you're driving a brand new car or something much older, auto insurance isn't just about paying for damages to your own car.

  • Pay for medical bills after an accident. Auto insurance doesn't just cover your automobile, in many cases, it may also help cover your medical expenses that you incurred as the result of a car accident. It can help provide financial support in the event of an emergency or unexpected loss.

  • Shield you from the costly damages of an accident-related lawsuit. Carrying sufficient coverage is critical for you and your family—it can help preserve your financial situation in the event that the unexpected occurs.

  • Guard the valuable assets you've worked hard to collect (such as your home, retirement funds, stock or bond investments, etc.).

  • Protect you from uninsured or under-insured motorists. If you're in an accident with an uninsured or underinsured driver, you may need to use your auto insurance to help cover injuries you may incur.

  • Pay for damage repairs due to theft, vandalism, or natural disasters.

It's important to keep in mind that not all policies (or insurance carriers) are alike. Make sure you understand the details of your unique situation - including what you need to protect, and how each auto insurance coverage option applies (or doesn't). Our Bumper-to-Bumper® Basics can help target the level of auto insurance coverage that fits you best. It can also reveal valuable auto insurance discounts and savings, help you pinpoint your state's insurance requirements, and show you what other people like you are buying.

Auto insurance may be more affordable than you think. Be sure to review all of the auto insurance discounts available to you and learn more about Allstate's Safe Driving Bonus. Considering the benefits, do you really want to risk not having insurance?

Do All Drivers Need Auto Insurance?

Although auto insurance is required in most states, many people still drive without it. If you drive without insurance, you could have your license suspended or lose it altogether.

Even individuals driving on a learner's permit need to have auto insurance. A learner's permit grants an individual permission to drive—essentially, it's a driver's license with certain restrictions. The permit comes with the same responsibilities as a driver's license, including insurance and financial obligations. In some cases a learner may obtain their own insurance, while teen driver's are often eligible to be added to their parents' coverage. Be sure to talk to your Allstate agent to learn which option is best for you.

Strengthen your peace of mind, every time you take to the road.

There can be plenty of distractions while driving. The last thing you need is to worry about your auto insurance. You can have peace of mind knowing that you're in good hands with Allstate. For more information about auto insurance and the right amount of coverage for you, find an agent near you to help guide you through the process, get a free no-obligation quote online, or call us at
1-866-621-6900.

Published: June 2011

Savings and coverage subject to terms, conditions and availability. Savings will vary. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate New Jersey Insurance Company, Allstate New Jersey Property and Casualty Insurance Company, Northbrook, IL. © 2011 Allstate Insurance Company.

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