This is being written as we approach Thanksgiving and most people will be meeting up with family and friends to celebrate. As we plan for these big holidays, the main focus tends to be on planning the menu for the feast, buying the food and deciding who's going to be responsible for laying in the alcohol. Not that many take out the auto policy to check nothing will go wrong with their insurance. This is a mistake. There will be bumper-to-bumper traffic on all the main routes as everyone gets on to the road to get where they are going. These are the busiest times of the year on the road. At peak times on regular days, the usual suspects are making their commuter runs to and from work or dropping off the kids at school. These are the seasoned drivers with years of experience. Switch to a national holiday and you have a completely different look and feel to the roads.

So you've been shopping for new car insurance, you've got your VIN's, License Numbers, Accident History, Driver Names, and first born child ready to get that quote, neatly organized onto your calling sheet.

You flip open the phone book and start dilaing.  We all want to save money, so you start calling the "low cost auto" "low down payment" ads and start getting some cheap quotes.  Saving money is easy you are thinking and you are ready to buy... but what are you getting?

Each state requires drivers to be financially responsible for operating and owning a vehicle. This means having suitable auto coverage. While it may be difficult to find affordable auto insurance, the costs of being caught without proper coverage are far higher.