There are some things in life that just happen without your control. Some of those things are good and when they happen we think we are lucky or blessed. But when the bad things happen it can turn your whole world upside down.
In life they say you should hope for the best but prepare for the worst. It may seem like a cynical attitude to have but it does make sense. To be grateful and happy when something wonderful happens but to also be prepared for the bad so that you can minimise the negative impact.
This is why we have insurance. Insurance is the net that will catch you should anything bad happen. It is important to have insurance but that doesn't mean that you should spend all your money on it. The internet is a wonderful resource for finding information of all kinds, even a list of all the companies that offer insurance.
One of the benefits of having so many insurance companies is that you can find very competitive rates. It is just a question of doing your research.
There are many insurance search engine websites which can help you find the best quote for your needs. Don't go for the first insurance quote you find. Look around and find the insurance quote that works for you.