With wheels came carriages, and with carriages came cars, soon enough. Obviously, cars were faster and more versatile than horse-drawn carriages, and with these added features, increased speed was soon to follow. The first automobiles were, for their time, extremely expensive and thus only able to be afforded by the aristocrats. However, as the production of the automobile increased, so too did its accessibility.
And with more cars on the road and machines moving faster, accidents came quickly. Even though there were such things as home, health, and life insurance during the dawn of the automobile, cars were still innovative and thus outside the realm of insurance. Those who did get in accidents were already able to afford a car, so paying for repairs and doctor’s visits wasn’t a problem.
Automobiles became more affordable still, and because of the number of accidents and deaths causes by these horseless carriages, car insurance came along. The advent of car insurance opened up the possibility of automobile ownership for those middle-class folks who had the money to purchase a car, but not enough extra income to pay for any damage caused by accidents. Thus, insurance was one of the greatest agents for amplifying the prevalence of the automobile industry and lending itself to the development and lateral mobility of the middle class. Cars were no longer only for the rich.
These days, you can’t own a car without also owning insurance. Insurance helps protect you in case of almost any type of accident, whether it happens to you or by you. Different states offer different car insurance options, due mostly to statistics, road types, and state laws. Arizona car insurance will offer different types of rates compared to insurance in California or Nevada. However, no matter what you’re driving, it’s important to be insured. It’s how you get around.