When living expenses and bills start piling up, it’s common to look around and wonder what you can cut to save some cash. You lower your cable from 300 channels to 30. Your internet connection may become a little slower. Do you really need all that data for your cell phone?

Next on your list of expenses to slash may be your auto insurance. Do you really need full coverage? While removing full coverage may save you some money in the short term, there are a number of things you need to consider first.

We can find almost anything we need online these days, can’t we? From the ability to receiving pet food and treats through a monthly subscription to researching, applying for, and getting a car loan, we can do it with an internet connection and a keyboard. But some things really do require a personal touch and individual contact.

Accidents can happen in the blink of an eye. One moment, you’re driving down the highway, jamming out to your favorite song, and the next, your car is hit from behind and you’re thrown forward, slammed into the airbags.

As if this wasn’t bad enough, you’ve been hit by one of the 28 million drivers across the country who doesn’t have auto insurance. What happens now?

The road is filled with uninsured and underinsured drivers. Adding coverage to your auto insurance policy can protect you if you get into an accident with one of them.

We’re all guilty of trying to do much, especially when we’re in the car, in a rush to get somewhere. We eat on the go, make important phone calls, and yes, we even text and drive. Our lives are a constant rush of driving somewhere, rushing to the next appointment or obligation, and trying to do much at once. In the meantime, we sacrifice the safety of ourselves, our passengers, and everyone else on the road.

Every six months when your auto insurance renews, it probably seems like the price inches up a little higher. Then – BAM – out of no where, the cost went up significantly, and you’re left scratching your head.