Nowadays, people really cannot do without their cars. Cities are getting crowded by four-wheelers of all kinds. As a result, road accidents happen all the time. It's after being in an accident, when your car is badly damaged, that you'll either be thankful of your car insurance covering the costs or regret the fact that you never bothered. Regardless of the legality of driving without car insurance in many countries - or lack thereof - the sheer amount of damage that can be done to your car can be devastating if you never bothered with insurance.In this accident-prone world of today, you cannot afford to be without car insurance. Thus, you need to find an insurance plan that will cover you best. Note that "best" doesn't mean "most expensive" (as any legitimate form of car insurance can sort out the legal side of things in most countries) simply because the reason you're taking out insurance is to stop yourself from being potentially a few grand out of pocket when the repair bill comes in. In general, though, it is true that the car owner will be all-too aware of the recurring nature of having to pay for car insurance.Let us say that you end up spending more on insurance than you do on your car, and don't have any accidents. This should really not be the case. If it is, then, you will have to think about looking at a new insurance plan. Regardless of that, though, if you happen to drive in an area where car insurance is a legal requirement (vast swathes of the world, really) then you'll need some kind of insurance scheme, but it doesn't have to be the most costly one.If your current insurance company is not giving you a cheaper deal, you could shift somewhere else. But the fact of the matter is that when you do need to call on your insurance you'll almost certainly wish that you hadn't switched. One reason why many people choose to not make a shift to a different insurance plan is that insurance is a long term plan. It's a little like a loan that works in reverse: instead of getting the lump sum of money at the start, you receive it at the end. This allows you to get either your current car repaired or at least contribute a fairly hefty sum towards buying a new one.The peace of mind that comes with knowing that, should someone damage your car, sorting out the problem is relatively hassle-free is more than enough to warrant the relatively small payments. Invest in an insurance policy and you will be freed from huge car repair expenses. The point to emphasize is that being without a car when you, say, travel to work everyday in one can cost you dearly due to the sudden extra amount of effort that you have to put in to earning the money to pay for a new set of wheels. If you were insured at the time, however, many policies include a "courtesy" car. In case of an accident, you can drive around in the "courtesy" car while waiting for your car to get back from the garage.