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Can I drive legally without insurance? NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous. The insurance industry and consumer groups generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident since accidents may cost far more than the minimum limits mandated by most states. If you've financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement. For more information, see  Automobile Financial Responsibility Laws .

Cheapest Cars to Insure in 2015 Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your pre...

Protect Your Auto Investment If you've ever wondered what it takes to be an ASE-certified automotive technician, consider this: In the span of one career, automotive engine technology alone has advanced from purely mechanical devices that need periodic adjustments to sophisticated, computer-controlled systems that can actually compensate for normal wear. The same can be said for virtually every major system on today’s vehicles, from brakes to transmissions. And the technicians who service and maintain our vehicle fleet have had to learn it all. In fact, to be an ASE-certified automotive technician today is to commit to a lifetime of training just to keep abreast of changing technology. Maintenance more necessary than ever before Modern vehicles are wonders of engineering. In just the past decade, maintenance intervals for things like spark plugs, emissions and cooling systems have been stretched out to 100,000 miles in some vehicles. But the need for periodic maintenan...

Gas-Saving Tips for Your Auto While it is always wise to conserve natural resources, the recent price of gasoline has made even the most wasteful people think twice. Whatever your motivation, here are some gas saving tips from the pros at the National Institute for Automotive Service Excellence (ASE). Monitor tires.  Under inflated tires or poorly aligned wheels waste fuel by forcing the engine to work harder. (Let the tires cool down before checking the air pressure.) Out-of-line wheels, as evidenced by uneven tread wear, should be aligned by a professional. Remove excess weight.  Remove unnecessary items from the vehicle. Store only essentials in the trunk. Less weight means better mileage. Consolidate trips and errands.  Some trips may be unnecessary. Also, try to travel when traffic is light so you can avoid stop-and-go conditions. Avoid excessive idling.  Shut off the engine while waiting for friends and family. Observe speed limits.  Speedin...

How to Bargain With an Auto Dealer By  Anders Abadie You've made the decision to buy a new or used car, awesome! What's next? You'll need to find a car that fits your needs and budget. Often times at dealerships, looks can be deceiving. The sticker says one amount, but auto dealers may have a different price in mind. Just because the window has a figure on it, doesn't mean that's what you should pay. Here's some things to keep in mind when you're heading out to car shop. Do your research. It's the most important step when making such a large investment. You'll want to research the safety and fuel efficiency ratings. Has the vehicle won any awards or had a recall? Will this car require a lot of maintenance? What is included in the manufacturer's warranty? Already have a make and model in mind? Find out what was the best year for that make and, if you're buying used, make a list of things to check on the vehicle. After you do your own re...

Things To Know About Safety Equipment Used On Vehicles By  Luke Harper If I name some of the most popular pieces of public safety equipment, the warning lights, siren speakers, push bumpers and grille lights of different types will come to mind. With the increasing rising risks for first responders, the need for these essential items is critical. There is a huge responsibility on the shoulders of police, fire fighters, and EMS for the safety of the public. These products are used constantly; all having and meeting the same purpose, public safety. The light and sound systems used by the police and other first responders are a type of safety equipment. Public safety radio and speakers All through the hours of an emergency or patrolling, the police are largely dependent on their vehicle's flashing lights, emergency radio systems, sirens, and speakers. These devices are made to comply with and act perfectly during their emergency operations. Though these devices are often left u...