If you are planning on being a bad driver then you are going to need some auto insurance. Of course, if you plan on having a clean driving record then don't even worry about it. Insurance is for people who make mistakes and break stuff. It's the responsibility of these klutzy people to be prepared to pay for the damages that they cause.
There are car accidents in every city in the country: New York, Los Angeles, Phoenix--I'm not going to list them all, but they happen. This is starting to sound pretty dangerous; maybe none of us need cars at all. If we didn't have cars, there wouldn't be car accidents, and then no one would need insurance at all. Maybe we could have bumping-into-people insurance so the agents don't lose their jobs.
If you are thinking of getting auto insurance maybe you should just sell your car instead. Not only would you save some money by not having to pay for insurance, but you can sell a car for a couple thousand dollars! Who knew that cars could be such a lucrative form of currency? Probably a lot of people, but still, do we really need them? We have a million forms of public transportation these days--none of which are your responsibility to insure.
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