Category: Auto Insurance

The Penalties for Not Having Pennsylvania Auto Insurance

Pennsylvania Auto InsuranceYou must have car insurance to drive in every state in the country. Each state has its own minimum requirements for liability coverage, but if you do not have car insurance you can face some steep penalties.

First you should know what is required when driving the streets of Pennsylvania.  You must have the following coverage in place to register your vehicle and get behind the wheel:

  • Medical coverage – this will take care of your medical bills and anyone else who is covered by your insurance policy even if you were not at fault in the accident. You have to have at least $5,000 in coverage.
  • Bodily injury – this is what will pay the medical bills and any rehabilitation charges if you were at fault for the accident. You must have $15,000 to cover the expenses for one person in the accident and $30,000 for any others who were injured in the accident.
  • Property damage – you must have $5,000 to cover the damage to the other person’s car when you are at fault.

There is additional coverage that you may purchase but you only need the coverage that is listed above to legally drive in this state.

If you are not able to produce proof of your Pennsylvania auto insurance when you are stopped by a law enforcement officer you may face any or all of the following:

  • At least a fine of $300
  • You registration may be suspended for 3 months
  • Your driver’s license may be suspended for 3 months
  • Your car may be impounded
  • The fees it will take to restore your driver’s license
  • The fees it will take to restore the registration of your car

If you do not pay your insurance on time and your insurance lapses you could also be in trouble. If the lapse of insurance is more than 31 days you may find your license and registration suspended for three months.
Once your car insurance lapses it may be hard to find a company that will insure you. You may have to pay higher rates because of this because now you have shown yourself to be a risk. If you find that you cannot afford car insurance you may qualify for the Assigned Risk Plan for the state of Pennsylvania. All of the companies in the state are required to offer this plan so you can get insurance at discounted rates.

Find the Best North Carolina Auto Insurance by Knowing These Three Secrets

Best North Carolina Auto InsuranceThose who overspend on policies or choose ones that do not fit the bill are often left stranded in their time of need. It shouldn’t be difficult to find the best North Carolina auto insurance policy if you are hip to a little knowledge. There are several ways for you to get exactly what you need without paying huge premiums in the process; don’t let anyone tell you otherwise.  In fact, these three simple (and often obvious) insurance secrets should cover the all the right bases.

Minimum Legal Coverage is All You Need

When you begin your search for the best North Carolina auto insurance policy, be sure to keep your budget in mind.  Understand that you must only carry minimum coverage to be legal – according to the local laws, of course.  At some point, you be presented with several options.  You need only go with the one that suits your bottom line.  If you can manage to find something that is comprehensive enough for your needs, you might end up saving hundreds per year on your policy.

Price Quotes are Subject to Change without Notice

Before you buy, you are likely to get a price quote from one or two North Carolina auto insurance providers.  While that is a wise decision, keep in mind that it is only an estimate – a ballpark figure of what you can likely expect. The price you receive from a quote could also change at any moment, so it’s best to buy your policy at the time of the quote to lock in the figure you see.  Remember, price quotes are in no way a precise calculation of what you pay unless stated otherwise.

Some Insurance Companies Offer Various Discounts and Incentives

At the time of your auto insurance purchase, be sure to ask the representative in charge of your policy about any discounts or incentives available.  Some North Carolina auto insurance companies offer steep savings for multi-car policies and impeccable driving records.  At the same time, you could benefit from various company-unique incentives as well.  In order to get your hands on anything that saves you money, you have to do your homework.  So while you may have a reliable quote in hand, be sure that you have included all the most accurate information and answered as many relevant questions as possible.  In other words, work to find those lucrative loopholes.

Three Ways to Get the Most Accurate Michigan Auto Insurance Quotes

Michigan Auto Insurance QuotesWhen you are in the market for auto insurance while being a resident of the state of Michigan, you might find too many options to make a good decision.  In an effort to narrow your search, you may begin to get quotes from various insurance providers.  In the meantime, the price estimates that you receive could lead you astray.  In order to get the most accurate Michigan auto insurance quotes, you must do three things.

  1. Use Your Actual Personal Data

How can you reasonable expect to get any sort of accurate quote when you present false personal information?  Understandably, everyone wants to save a little money on their auto insurance policy.  Still, giving inaccurate data or hiding relevant facts about your driving record will get you nowhere.  In Michigan, auto insurance quotes are actually easy to find if you are willing to be upfront about yourself.

  1. Get a Quote When You Are Ready to Buy

If you want to get the most accurate Michigan auto insurance quotes, keep in mind that things are subject to change without notice.  This means that you could get an estimate on your premium one day and wind up paying something completely different the next.  Your best bet is to look for quotes when you are ready to make your purchase, otherwise you might never know what you will actually be paying.

  1. Look for a Price Quote Guarantee

Did you know companies offer a price quote guarantee when you choose their services?  Instead of always guessing on what you might pay, and rather than rushing around to get accurate quotes at the last minute, look for an insurance provider that is willing and able to stand by their estimate.  When you do this, the number of Michigan auto insurance quotes you end up looking at decreases significantly.  On top of that, it makes the process of finding the most accurate quote a whole lot easier.

Now that you know a few key secrets, you should be able to find the best Michigan auto insurance quotes and a decent provider.  Just remember to have all of your relevant information ready and to check with a representative of your chosen company about any discounts or money-saving incentives.  Until you get several quotes, don’t settle on anything.  You will never know what is available unless you get out there and look.