Do you have home insurance? Of course. Do you expect your house to burn to the ground? Of course not. But having the insurance is prudent nonetheless. In fact, you’d be a fool not to have it and additional coverage over what’s necessary (if any is for you).
Same with self-defense insurance. How’d you like to be the next George Zimmerman (a putz, and a very poor representative of our community, but an innocent man nonetheless): the subject of a political persecution for a justified shooting?
You have lots of choices in this area. They all boil down to a few different models, though. In this video clip Andrew Branca explains the differences between them:
His clear preference is for the referral model of the Armed Citizens Legal Defense Network, which I also recommend. Knowing the law is a necessary thing if you carry a firearm. Having a legal defense plan of action is the next logical step.
Remember: the gun, and even knowing how to use it well, is only part of the problem that you are seeking a solution to.
Finally: I’ll hit this point often and hard: if you carry a gun for self-defense, you have to know the law. Invest the money you’d spend on shaving a tenth of a second off your splits with Andrew Branca’s book or seminars — it’ll pay far greater dividends. Visit this link to learn more, and use the discount code “streetstandards” for a 10% discount.