Yes, you can still be sued, whether or not you have insurance. Without auto insurance, you would be personally responsible for the damages that you caused in an accident. Insurance covers these damages on your behalf, up to the limits outlined in your policy.

Improved security measures can cut the cost of premiums if the measures are recognised by insurers, but note that the saving may not match the outlay.

If you are self-employed and use your personal vehicle for business, you can take a tax deduction for your car insurance. For example, an independent sales professional who travels for work can take the deduction. However, only the actual mileage used for business travel is deductible. In other words, if you drive a vehicle 15,000 miles for busines