Even the safest drivers in the world can have their “off days.” Or even worse, they can be involved in an accident with an uninsured motorist. If you are involved in an accident in which you are at fault and you are not insured, you are liable for the expenses the other driver incurs. This can include costly medical care. Your personal assets can be fair game if the other driver decides to take you to court. In addition, you will be stuck with any and all costs associated with any damage you or your vehicle sustain. In either of these situations, car insurance would provide a huge relief. Sadly, many Americans opt to not get car insurance, since it provides no immediate or tangible benefit, and in a slumping economy, some simply can’t afford the expense. This is not only illegal, but it is even more costly in the long run. Every single state in the United States requires some level of insurance by law. You can refer to the Department of Motor Vehicles website to see information specific to each state. You can also view what each state will do to punish driver’s who operate a vehicle without car insurance. It ranges from getting your vehicle impounded to being charged with hefty fines, and none of theok options are good. If you are really and truly strapped for money, check with several insurance carriers and ask for a quote on the absolute minimum for car insurance in your state with high deductibles, like $500 or more. It’s also a good idea to request what the premium would be for slightly expanded coverage, since it might end up being only slightly extra to get better coverage. You can also see what type of payment plans the carrier offers. Some will let you pay premiums once a month, which should keep your monthly expenses lower. And in the long run, these low monthly car insurance payments can save you a lot.