Car insurance is compulsorily enforced in almost all the states in the United States and Canada. Overlooking this legal enforcement can lead to several penalties if caught driving uninsured or even underinsured, some of which are of great magnitude like an imprisonment. Neglect with regards to auto insurance is often seen due to the higher rates that ought to be paid as premiums for the insurance policy taken. Some policies demand unaffordable premiums.
If you are on the fence about whether you can afford insurance coverage, you should talk to an agent or go online and search for quotes. Some carriers are even offering an option now for you to enter the amount you can afford to pay and they will provide you a quote which includes coverage that adds up to this level of premium. Now you may not be able to buy the minimum required coverage levels at your budget so that is something to keep in mind.