Having personal auto insurance is a fact of life, but sometimes understanding all the different options can be kind of confusing.
If you are a responsible driver, then you need to protect other drivers by carrying liability insurance. Even the best drivers can be liable for things beyond their control– you might not be able to avoid that patch of black ice, but you can be the good guy and make sure that you protect other drivers by maintaining liability insurance.
But you need to seriously consider that there are a number of other coverages that you could have. Maybe you have them through your current carrier, and they aren’t the best or most appropriate for your situation. Maybe you don’t need premium comprehensive-coverage policy on your teenager’s $800 junker. We would be happy to take a look at your policy and see if you have an appropriate coverage.