If you have not been alarmed by the growing number of car accidents each year then I guess you do not have the right attitude towards your future. Insurances are there to protect you with the unexpected. The way to go is to have the best protection. This is a lot like saving up for future accidents. Right now you can avail of auto insurance to keep you out of burden with costs of repairs or a new purchase whenever you and your car come to the point of having mild or hard accidents on the road.
Of course we would also have to be always careful while driving. But even if you do not want to meet any accident, you can never tell if that could happen to you. You can be a careful driver but you are not the only person on the road. You can encounter a lot of reckless drivers and they can get you crazy when you bump with one of them.
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The older you are the higher the danger of increasing health problems that could add to the cost of your insurance premiums or put a stop to you from obtaining a