Consequences for Driving Without Auto Insurance

Each month, it may seem like a total nuisance to have to pay money for auto insurance, especially when it feels like nothing out of the ordinary ever happens to you while out on the road. However, traveling without any insurance is definitely a dangerous risk you don’t want to take. Check out four of the main consequences for driving without auto insurance below:

1. Fines

If for no other reason, you want to have auto insurance whenever you’re behind the wheel so that you can avoid fines. Most of the time, these fines fall anywhere between $200 and $1000. Of course, each state has their own rules when it comes to this. In fact, some even require that those driving without auto insurance face jail time. Repeat offenders, though, will be given larger fines. Whether you purchase your insurance through a local insurance company like Eisenhauer Insurance Inc or a much more nationally known business, it’s best to get covered.

2. Suspended License

A lot of states require that any cited drivers must have their licenses temporarily suspended if driving without auto insurance. Those, though, who have insurance but got pulled over and couldn’t provide proof on the spot, may be able to remedy this whole situation. However, anyone who just doesn’t own auto insurance in general, typically will lose their license for anywhere from 30 to 90 days. There is then a fee accrued to have your license reinstated.

3. Higher Insurance

Besides all the money you’ll be paying in fees here and to get your license back, you will now have to pay a much higher regular insurance rate for driving without auto insurance. That’s because these individuals are now looked at as insurance risks, so the amount they owe monthly will be significantly higher for the next couple of years. However, as long as these drivers keep their driving record clean, the insurance rates will slowly go down over time.

4. Marks on Driving Record

Once you’re caught driving without auto insurance, your driving record will never be clean again. Now, it will be damaged, which can take a real toll on your insurance rates. If you ever want to apply for a job where you need to drive, this could effect that too, as this incident would be depicted over your DMV record. There are a lot of employers out today that require a clean driving record, so driving without auto insurance would definitely hurt you in more ways than one.

Unfortunately, we don’t always think about the consequences of our actions. This is especially true when it comes to driving without auto insurance. While it may seem like a hassle to stay protected, it is worth it to avoid any and all of the consequences listed above.

How to Save Money on Auto Insurance Policy

Whether you are currently shopping around an insurance for your vehicle or looking out for some effective ways to save money on your current policy, it is very important for you to understand – what type of policy would work best for you. As your family and driving needs keep on changing, you may also want to review your coverage to ensure that it meets your family’s needs too.

As you know, different companies charge different rates for virtually the same type of coverage. Still, studies say that majority of consumers don’t shop around when buying or renewing an auto insurance policy. The necessity of getting an insurance for your car includes, protecting your car along with the passengers in it.

So, here are a few tips which would help you to get more out of your auto insurance policy.

Asses your Financial Status:

This type of insurance has the capacity of protecting much more than your car from a theft or an accident. But, the more important fact about this is, it can protect you along with your assets, from the lawsuits. If you are in a serious accident and you don’t have enough coverage for that, all your property and other assets might be at risk. Thus, you should consider having a coverage limit, which would easily match with your earnings.

Ask your Agents about Discounts:

Discounts are also an important factor at the time of picking an insurance for your car. The insurance companies are there for offering different types of discounts for their clients, to make them happy. So, here are some discounts, which you should look for – multiple vehicles, safety and anti-theft devices, etc.

Understand the Important Parts of a Policy:

Understanding the main components of an insurance policy will give you a strong platform for comparing different policies with the one, which you have chosen. Don’t forget to have a closer look to the ‘declaration page’ of the policy. The declaration page states the name of the insured party and other drivers specifically covered. It lists the types of coverage you have, the limits for each (the most an insurer will pay if you have a claim), and the premium charged (the cost of a policy for the period covered).

Get Uninsured Motorist Coverage:

This type of coverage can protect you and your other family members, if you are hit by a negligent driver who is not insured, even if you are walking by the side of the road or riding your bicycle. In many states uninsured motorist protection is not a mandatory coverage. So, this means, you could have a policy, without this particular coverage. The amount of uninsured motorist coverage which you can carry should match with your auto policy’s liability limits. It means, the maximum amount your insurance company will pay the guy, if you are responsible for his accident.

Get an Insurance for a Total Wreck:

Opt for getting an auto insurance which will provide you with a total coverage against some kind of damage, which has been caused to your car, or the passengers of the car. A total wreck coverage can actually be beneficial for you, as the insurance company will replace the car, instead of changing the damaged parts of the car, if the condition of the car doesn’t seem too good to them. But, the replacement will only occur when the cost of repairing would be too high.

Shop Around before Buying:

At the time of getting an insurance for your car, there is a need for you to shop around for getting a hold of the best ever policy, which will meet all your needs. When asking for price quotations, it is crucial that you provide the same information to each agent or company. The agent will generally ask you to provide some information, including- the description of your vehicle, your driver’s license number, the coverage and limits you want, etc.

These are some valuable tips, which you should consider at the time of buying an auto insurance policy. Don’t forget to check all the details of the policy, before signing any paper with the insurance agency. Ask your agent if he is going to charge you with an additional fees over and above his commission. If you think your agent is charging too much, check with other agents to find out if they are also charging extra fees for their services from their clients or not.

Easy Tips For Cheap Auto Insurance

If you own a car, purchase of auto insurance is an obligation. Before the car hits the road, you must own an auto insurance policy, which will be a safeguard for you as well as your car too. The car owners are after a cheap insurance plan and the best course of action for them is to scoop out the details from the insurance agents. This will help you get quite a good number of quotes and rates from many insurers including the companies in top slot.

Here are some simple tips to help you on your way to the cheap car insurance plans.

• The first thing that an insurance agent will ask is about the condition of your car. If it is already damaged or vulnerable to damage, no agent will feel interested in insuring your car. So, you need to prove that your vehicle is in perfect condition to get a good rate on an insurance policy.
• If you are a student, work hard to achieve a good grade in the school. The point is irreverent, you may think it. But the fact is many insurance companies offer cheaper policies to the students who are good in studies. A good way to get you affordable car insurance while encouraging you to be a topper in your class!
• If you are to insure many vehicles at the same time, seek a multi-vehicle insurance policy. Some insurance companies offer good discount on multi-vehicle insurance plans, thereby helping you save a lot on regular premium expenses.
• Additional features are always attractive but too many of them make an auto insurance plan costly. While buying insurance, you will be offered many add-ons. However, falling for all or even many will add to the cost of your insurance. What seems to be within your affordability will turn out to be a financial burden.
• Drive slowly and obey the traffic rules. These are important not only to get a good rate on your insurance buy but also for your safety. Have you earned reputation for driving your car fast? Or do you have a record of getting speeding tickets? If so, you are a high risk driver. These facts will scare away your agents and you are less likely to get an affordable car insurance plan. No insurance company will offer help when your car has potential to easily get damaged.
• Search aggressively when you need a cheap auto insurance scheme. It is important for you to be relentless in your search. Get quotes from different insurance companies and make the choice that suits your pocket.

These are only a few tips following of which will bring you a good rate. Research on the same topic and you may get additional tips. Never be in too much hurry, this may ruin your chance of getting a good deal. Furthermore, people miss the vital coverage points when they prioritize only the low-cost factor. Try to optimize your benefits subject to the cost criterion or minimize your expenses subject to a pre-set coverage list.