Having insurance is one of the most important things, imagine your house burning down or your car getting wrecked and being left out in the cold. Whether it is Home Insurance, Car insurance, Travel insurance or even Pet insurance. Insurance keeps you from being completely obliterated if an accident happens, it also keeps you from being personally responsible from lawsuits. A few years back a friend had no car insurance and got in a wreck with a new cadilac, he was at fault and spent the next several years paying back the person, he owed them a total of 38 thousand dollars. If he would have had PLPD he would have been fine, can you imagine losing 38k over 80$ a month, that is a gamble I won’t take.