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What is the most important thing to make sure you have before you drive any vehicle? You may be thinking keys, and yes those are very critical to even being able to start the car, but that was not the answer that I had in mind. You may think about a map is very important if you are driving somewhere you have not been before, especially like a vacation. You would not want to get lost somewhere and not have a map. Perhaps you were thinking other things like jumper cables incase the battery dies, a can of oil or extra gas in case you have car problems. All of those answers are incorrect also. The absolute most important thing to make sure you have before you drive is auto insurance.

We are required to have auto insurance, but the minimum limits set vary from state to state. For example, auto insurance in Oregon has the minimum limits set forth at 25/50/10 while the limits in Pennsylvania are 15/30/5 and Alaska is 50/100/25. What do all these numbers mean? The first number is how much per person for bodily injury. The second number is how much per accident for bodily injury and the last number is how much per accident for property damage. You are welcome to get the lowest policy limits although most insurance agents will be able to talk with you to get to know your situation and see if it would be better for you to get a high coverage, depending on the value of your car and other property you own.

Your insurance is there to cover you and make sure that everything will be paid for when there is an accident. You may be a very safe driver and feel like you really don’t need to spend that money for insurance if you won’t get in an accident. You may be a safe driver, but you do not know if another person without insurance will hit you. Then who pays for it? Will you settle it yourselves or will you need to go to court?

Save yourself a lot of headaches and just get auto insurance now. Talk with your insurance agent to know what limits would be best for you. Insurance is there to help you when you need it the most and you will feel a lot better driving around knowing that you are covered.

Arm Insurance (http://www.insurancearm.com) is a auto insurance. Art Gib is a freelance writer.

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