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A little ridiculous

I'm in my 20s, on my own, and I recently watched a whopping chunk of this month's budget get eaten by my car insurance payment. Yeah, it's painful, but when you're tallying up those expenses, you just have to shrug it off as a necessary evil.

Unless, I guess, you're in the group of young singles - 20 percent - who, according to a recent survey, said they'd let their auto insurance policies lapse to save money.

On this same survey, from the National Association of Insurance Commissioners, 18 percent of young people reported that they'd decline employer-provided health insurance to put money in the bank, instead.

OK, I'm all for socking away some cash for unplanned expenses, a rainy day, or what have you. But isn't that a little ridiculous?

The insurance group, a volunteer organization based in Kansas and made up of insurance officials from throughout the country, launched a public education campaign today, intended to teach consumers about the types of insurance, how to use them and how to avoid insurance scams.

The Web site they've launched includes basic quizzes for people at all stages of life. The one for young singles, for example, includes about 16 questions touching on auto, renter's, life and health insurance. They include questions such as what renter's insurance covers, who is responsible to damages caused by a visitor to your rental property and what type of gap insurance coverage is best.

The site also includes public information announcements in English and Spanish.

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