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Do we need auto insurance? This is the question asked by most new car insurance policy. Generally the answer is quite simple. This is law for auto insurance quotes. The DMV (Department of Motor Vehicles) requires that you take financial responsibility for owning and operating a car in all fifty states and insurance costs are described for all the quotes. Auto insurance protects you when you cause property damaged or harm another person while driving your car. If you are caught driving without car insurance, then you will surely be subject to severe penalties.