Don’t Settle For The Cheapest Auto Insurance – Get Mechanical Breakdown Protection Too

Wherever you may go, every state requires you to get your vehicle insured. You are only required to satisfy the basic requirements of the law. You do not need to invest in additional expenditures, such as mechanical breakdown insurance. Similarly, under the US law, it’s mandatory to get a car insurance policy. It is equally important to be familiar with the requirements of car insurance for your state, otherwise you might be in a legal battle in case of any mishap. Even though you know these things, sometimes you still end up in a mess. Let me tell you about an incident that happened to me. I learned a lot from it. Perhaps you may too. The day wasn’t going too well for me. My day started when I got up at 8:30 in the morning; saw my broken alarm clock on the floor; heard my husband’s voice from the bathroom and realized that I had to reach the office by 9:30 which was half an hour down the road.

My first reaction was panic and then I told myself to calm down and think of an excuse to make at the office or shout at my husband about the clock, but nothing was going to make the situation easier so I decided to start panicking! It started with tumbling on the floor with my one foot still in the quilt. And the next thing that followed was that the knob of the shower stuck and I started shivering. But don’t worry, that was not the end. When I went into the kitchen, I found my husband trying to cook since I was getting late and trust me, he was making a mess and I panicked even more because the cleaning was not going to be easy. So I closed my eyes, got ready and walked out of the door.

So, here I was, non-bathed, hungry and late. This definitely called for a disaster and it did. I got into my car, I was getting calls from the office and the moment I turned to look towards my phone, a person in a Sedan comes out from nowhere and I banged into him. He wasn’t injured too much but the cars were damaged. I took him to the hospital and while I was sitting in the waiting room, my mind raced up and I looked into my purse and thank god, I was carrying both my license and the car’s insurance. The next thing I looked up was the date of its next premium and it was due next week, so I was relieved that I was secured from getting into a mess; jailed or financially ruined.

This is human nature; you do not think about the person you hurt, you think only about saving yourself when it comes down to an accident. Even though you are sorry for what happened, you are happier that you have the cheapest auto insurance and they will pay for whatever happened. Even though auto insurance pays for the damage, they take it up in small amounts by increasing the premium that you pay to have yourself secured. But these small premiums do not hurt as much as a large lump sum would destroy everything you own.

Small premiums under your budget not only leave you tension free but are also life-savers in such situations. So the moral of the story is, getting your car insured, carrying your insurance with you whenever you drive, and paying the premiums on time.