What are the possible penalties for driving without car insurance in Texas? Will getting car insurance comparison guarantee that I get the most reasonable rates?

Gabriel

Dallas, TX

Two out of ten drivers in the State of Texas do not have car insurance coverage. Imagine how it will be if you happen to be one of those conscientious drivers who gets his or her car hit by one of these irresponsible drivers. You would be considered fortunate if you got out of it unscathed. But what if there were serious bodily injuries and considerable damages to your property? Would it not be reassuring if the other party involved in the car crash be able to pay you back? But the unfortunate fact is that car insurance laws are still ignored. It is for this reason that the Lone Star State has devised laws to punish offenders severely.

An insurance verification program was launched by the Texas government to hunt down uninsured motorists. This was launched on the 2nd of June 2008 and was headed by the Texas Department of Safety troopers. In this program, drivers without auto insurance coverage are issued tickets that go with a $350 fine and potential suspension of license. Second-time offenders will be ordered to pay a fine that could go up to $1,000 and an automatic suspension of driving privileges is imposed. Meanwhile, their cars will be sent to the county impound. Although most counties have a hard time dealing with the increasing number of impounded vehicles, Dallas has proven to be quite effective on this matter.
So, save yourself from this headache. Start obtaining car insurance comparison rates by making calls to licensed insurance brokers. You may also find the Internet very helpful when getting comparison rates. This way, you are sure that you have the most reasonable prices.

Tags: auto insurance coverage, car insurance rate, driving without insurance, traffic violation

Hi, I will compare my car insurance quotes online. How can I further save money? Any tips?

Martha

Austin, Texas

Hello Martha! By just comparing your car insurance quotes online, you have already saved a lot of money! If you will ask me how, the answer is simple. The car insurance industry has an extensive market. And by comparing car insurance quotes online, you have a higher chance of getting cheap car insurance from an A-rated company which offers great coverage and services.

These online car insurance comparison websites will ask you a couple of questions such as things about yourself, the car you are driving and your income. As much as possible answer the questions accurately so that you will be able to compare car insurance rates accurately.

Keep in mind that you can still reduce your car insurance rates by remembering the following when comparing car insurance quotes:

1) Buying a car insurance policy from the same company where you got your house insurance will help you reduce your car insurance rates. 2) Having a clean driving record will also decrease your car insurance rates. 3) If you are working for a company which avails insurance from a certain company, you can also purchase your car insurance from that company which entails you to a multi-insurance policy, making your car insurance rates cheaper.

Tags: auto insurance premium, Car Insurance Company, car insurance quotes

I got a speeding ticket in Wisconsin. Will this be in my driving record? Will this affect my car insurance in any way?

Diana

Milwaukee, WI

The State of Wisconsin adheres to the Department of Motor Vehicles (DMV) point system. Speeding by a mile through 10 mph will get you 2 demerit points. If you went from 11 to 19 mph above the posted limits, you will likewise be written a ticket, and 4 demerit points will be added against your motor vehicle record (MVR). Six points will be due to speeding for 20 mph or more above the limits. Accumulate enough number of tickets and your driving privileges could be suspended altogether.

Speeding tickets are not offenses you can blithely ignore. They can turn into a financial headache later on. Avoiding speeding and other traffic tickets will not only save you money from paying statutory fines, legal representative’s fees and license reinstatement fees but will also keep you from having to take driver improvement courses that may take up your precious time.

In the case of Wisconsin, a total of 12 points will result in driver’s license cancellation. And since these points will be reflected on your MVR, the points will definitely be seen by your insurance company if your policy is up for renewal, and you may be assessed with higher car insurance premiums.

Tags: auto insurance premium, car insurance, DMV, traffic violation

If I get caught driving without car insurance in North Carolina, what penalties will I be given?

Neil

Raleigh, NC

It actually depends on the gravity of your violation. Typically, if your only violation is driving without car insurance, you will be assigned with 3 points in your license plus you will be asked to pay a fine. The court determines the amount you need to pay, so you should contact them in case this happens to you.

If you have a car insurance policy that is outdated, the court will most likely know about this, too. Car insurance companies are required to notify the North Carolina Department of Transportation (NC DOT) about the status of your policy. If the NC DOT learns that your policy has been cancelled or has lapsed, they will send you a letter of request for new insurance information. If you disregard this warning, the NC DOT will confiscate your vehicle’s license plate for 30 days. You can get your license plate back only if you provide them with information regarding your new car insurance policy.

If you get caught driving without car insurance and you were found at fault in an auto accident, the court will most likely give you more serious penalties. Aside from paying a certain fine (which could be higher than usual), you may face the possibility of a driver’s license suspension or even vehicle impoundment.

Tags: auto insurance policy, car insurance, Car Insurance Company, driving without insurance