When faced with a bill for several hundred dollars you might find yourself wondering if you need car insurance at all. Wouldn't you be just as well off skipping the monthly payment and fixing any problems out of pocket when you get in an accident? Absolutely not! Consolidated Agency, Inc., of Rochester, NY, is here to help you get the coverage you need—and the coverage you can afford.

Five Reasons You Must Have Car Insurance

1. You Might Get In An Accident Someday

Studies show you will report an auto collision once every 17.9 years. Do you have the money to replace your car, cover your medical costs, and help with living expenses if you are involved in a serious collision? Play the odds and protect yourself.

2. Hitting Somebody Else's Car Is Expensive

Just because you drive a 10-year-old car worth a few grand doesn't mean you won't total a $80K Mercedes-Benz^® in a high-speed accident. Can you afford to fix someone else’s car on your own? Car insurance, like those provided by Consolidated Agency, Inc. can.

3. Deductibles Are Affordable

With auto insurance, your out-of-pocket expense to fix your car won't be more than your deductible, usually around $500-$1000. Talk to an insurance agency representative about your options.

4. Their Medical Bills Are Your Responsibility

Even if it was nothing but a fender bender, the driver of the other car could have been injured. Your car insurance will take care of their hospital visit if the accident is your fault. Medical bills can get out of hand quickly, so this coverage is crucial.

5. It's Simple Protection

For an affordable monthly payment, you protect your bank account and your lifestyle. It's a no-brainer! Check with your local insurance agency today for rates and coverage.

For help getting an affordable car insurance policy, call Consolidated Agency, Inc. of Rochester at (585) 467-4110 or visit their website to find out more. They also offer great rates for home and business insurance, so be sure to ask about bundling your policies for a discount.