Auto Insurance. Don’t Drive without Insurance!.
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Driving without insurance is dangerous and expensive.
Most states require that you carry minimum levels of liability coverage. If you are caught driving without the mandatory levels of insurance, you could face an array of unpleasant consequences. In some states, your vehicle tags may be revoked and the car impounded. Other states charge uninsured drivers heavy fines, usually ranging from $150-$500. You might also have your license revoked for a certain period of time if you fail to provide proof of insurance.
Though not every state requires you to carry liability insurance, all states do have at least a financial responsibility law. Those states with financial responsibility laws do not require drivers to have liability coverage with an insurance company, but they do require that all drivers prove that they are financially able to cover their liability in the event of an accident. In these states, any of the following items qualifies as proof of financial responsibility:
If you’re driving without insurance, you will have lapses in coverage on your record. That means that if you ever apply for an auto insurance policy, your prospective insurer will find this out. To insurers, lapses in coverage are red flags for high-risk drivers. Any lapse in coverage, no matter how short, could result in sky-high premiums or your insurance application being denied.
Here’s what you can do:
4. Drop collision & comprehensive for older cars. If you drive an older car with little to no cash value, collision and comprehensive coverage will do you no good. The insurance company will only reimburse you for damages up to the cash value of the vehicle.
6. Drive less. Most insurers offer low-mileage discounts to policyholders who drive less than a certain number of miles per year. You can use the bus, carpool with friends, or take a plane when driving to another state to save on mileage.
8. Select a low-profile car. Sports cars and high performance vehicles will cost more to insure because they are a higher theft risk and the drivers of these vehicles are more likely to be reckless. Large vehicles and new cars also cost more to insure. Low-profile cars include relatively small, safe sedans.
10.Ask about other discounts. Insurers offer a plethora of discounts, but you usually have to ask about them first. Ask your agent about discounts for which you might be eligible.
Here is some helpful information about marriage and car insurance: