Should I Purchase Low Cost Auto Insurance?我应该购买低成本汽车保险？

If you currently have low cost auto insurance, or are looking to get it, you should be aware of the pros and cons.如果您目前拥有低成本汽车保险，或希望得到它，你应该知道的优点和缺点。

If you have low cost auto insurance, it is probably because you have very low coverage limits.如果您有低成本汽车保险，这可能是因为你有非常低的范围限制。 This is the biggest disadvantage to low cost auto insurance.这是最大的劣势，以低成本的汽车保险。 With low coverage levels, you may be tempting fate.与覆盖率低的水平，您可能会很诱人的命运。 If you are in a bad accident, or end up hurting somebody with your car, you may be out a lot of money in the long run.如果您是在一个坏事故，或最终伤害别人与你的车，您可能会出很多钱从长远来看。 Most low cost auto insurance policies also come with the limited tort option.最廉价的汽车保险政策也以有限的侵权选项。 This means that you are waiving your ability to sue anybody in the event of an accident.这意味着，你放弃你的能力控告人在发生事故。 Most people want full tort so that they have control over their situation.大多数人希望充分侵权行为，使他们能够控制自己的处境。

The main advantage of low cost auto insurance is the fact that your premium is going to be very low.的主要优势低成本汽车保险的事实是，您的保费将是非常低的。 If you can save $100 a month on low cost auto insurance that comes out to $1,200 a year.如果您可以节省100美元一个月低成本汽车保险出来，以$ 1200一年。 Over the course of your life you could saved in upwards of $50,000 by going with the low cost auto insurance option.在过程中你的生活你可以保存在$ 50000以上的进入与低成本汽车保险的选择。 But again, the problem with this is that all of these savings will be shot if you get into an accident and end up having to pay for damages; and if it is a bad accident you will end up losing that money many times over, and being put far into debt.但是，这个问题是，所有这些储蓄将被枪毙，如果你进入一个意外，最后不得不支付的赔偿，如果这是一个糟糕的意外你最终将失去这些钱了许多倍，和目前正在实施的债务。

Low cost auto insurance has many advantages and disadvantages.低成本的汽车保险有许多优点和缺点。 The only way of determining if it is right for you is by assessing your current situation.唯一的办法确定是否适合你是评估当前的局势。 If you do not have a lot of money at the current time low cost auto insurance may be your only option.如果你没有很多钱在目前的时间成本低的汽车保险可能是您唯一的选择。 But if you are simply being tight with your money, you may want to rethink your decision.但是如果你仅仅是你的钱紧了，您可能需要重新考虑你的决定。

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