Times are tight for many Americans—so tight, in fact, that many are admitting to skimping on their auto insurance ... or driving without it altogether.

According to a recent online study conducted by Harris Interactive on behalf of InsuranceQuotes.com, 16% of American drivers say they have driven without any form of auto insurance. Nearly half of these drivers (44%) cited not being able to afford their premiums for the reason behind why they did so.

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