It never matters how safe a driver you are – you could still get into an auto accident. Today, even. My limo-driving father once said I was such a safe driver that I could get a job carpooling babies, but he insisted on me getting auto insurance because of the other drivers that I share the road with.

We all know that there are people who get behind the wheel who have no business doing so. Everyone has seen these drivers:

• The Nascar racer wannabe who tries to go faster than everyone on the road

• The girl who is putting on makeup and nail polish while talking on her phone

• The ancient old couple who are going the speed of a dilapidated lawnmower

• The trucker who thought he could make it through the night but is now in a peaceful sleep – at the wheel

• The “king of the road” who doesn’t think he needs to give anyone a turning signal and swerves quickly from lane to lane

• Drunk drivers, unfortunately still going strong

• And finally, the outright psychos – like the one who injured my father last year by driving full-speed towards traffic on the interstate

This is why it’s imperative to find an auto insurance agent that can cover you completely. Don’t think that you’re going to be perfectly fine without auto insurance simply because you’re a careful driver. You could end up with a totaled car and maybe a broken leg, all of which you’ll have to pay for yourself.

Even though looking for a good agent and going through the insurance-buying process can be a pain, it’s absolutely necessary. And it is getting easier and less time-consuming, thanks to insurance agencies with virtual offices (like BWGInsurance.com) where you can get an online quote quickly.

Don’t take a chance just because you’re a good driver. Remember, you have to share the road with other drivers who are sometimes irresponsible and sometimes even crazy. Protect your car and yourself.

Braley & Wellington is an independent insurance agent in the Worcester, Massachusetts area. To find out more about Worcester, Auburn, Shrewsbury, and Boylston auto insurance, contact them today.