If in case you have your own vehicle, it is a must to have car insurance for it. And not only is it a safeguard for your vehicle, it also protects you in the event of an accident. And as accidents become more and more rampant on roads, most US states have come up with stringent guidelines when it comes to insurance. It goes without saying that in most states, there is a liability amount to be paid for injuring and damaging property. So whatever the penalty in your state, it is true that having a solid insurance is absolutely essential. And chances are that without one, you could end up having to face a host of penalties ranging from fines, to suspensions, to revocations, and in the most extreme cases, even jail. And take note that there are various clauses related to cheap car insurance which most people have misconceptions about.