Good car insurance rate?

"Why after nearly 4 years inofficeBasically join term life  insurance   $75
"I just got married and had a-2 month old girl this year. I do want to set up her as soon as today. I really don't wish her to-go through any hardships in living that I been through. I'm 31 and I - can buy the insurance right now but Iam imagining whether or not it sensible to cover the  insurance   premium or simply conserve the money in a lender