Most insurance companies charge so much on their insurance polices. That's the reason why there are so many people who hesitate of buying an insurance polices. On their minds, they can save so much money but not getting any insurance plans.
But accidents can happen anytime that's why it is very important to have an auto insurance, life insurance and health insurance that can take care of you in case of any emergencies.
There are some cheap insurance companies that you can find online. Just spend some time on searching, comparing and reading insurance policies before buying any kind of insurance policies.