Keeping in mind the number of accidents that occur everyday, the law of every state and every country has made it mandatory for every vehicle to be insured. This is the case not just in U.S. or Canada but all over the globe. Accidents are not uncommon and they do not knock before coming. Hence it is actually good to have auto insurance.
Automobile insurance quotes can be easily found at high as well as cheap rates. It depends on the buyer actually how much research he does. The more research done means a better chance of getting cheap quotes. Cheapness is not the only criterion on which a quote should be judged.
The quote should also be able to meet your personal requirements and expectations. For instance a policy may suit one person and be the best for him but it is not a compulsion that the same policy would be good for you as well. At that point it is actually worthless to spend money on something that would not help you at all. Hence a thorough research made by the buyer has to be done before he meets the insurers for signing the deal.