You should get your car insured not just because the state requires you to. All drivers have a responsibility to themselves and their passengers, their fellow drivers and the public as soon as they step on the gas. The responsibility to cover for damages when accidents happen is just what insurances are for. However, many would rather vow to drive as safely as they could or perhaps cross their fingers to not get into any kind of trouble when they drive than to get car insurance for the simple reason that it costs money. Car insurance will really leave you flat broke if you believe these myths.
Everybody who drives a car should have collision and comprehensive coverage.
Comprehensive coverage would take care of your loss when your car gets damaged by something other than a car crash, while collision coverage is for road accidents you might get into. Looking at this myth, these coverages are perfectly useful. However, these could be very expensive if your car has little or no value. You can nonetheless have liability coverage.