I never had insurance on my 1981 Tracker in the 3 years that I have owned it since most States don't require it. Should I consider getting insurance on my 2010 Tracker 175 I just got? I know I would have to pay out of pocket for any damage to my boat if I don't have insurance, but I'm used to doing that anyway since I have never had full coverage insurance on any of my vehicles, never had any accidents either.