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Auto Insurance with a Revoked License

Auto Insurance No Comments »

I got a DUI and my Florida driver’s license has been revoked. Will I still be able to keep my current insurance and vehicle registration?

Once your current auto insurance company finds out that your driver’s license has been revoked, they will most likely cancel your policy. This usually happens once your policy is up for renewal.  If your company drops you, you probably won’t find another insurance company to insure you during your revocation period. If you are going to get a restricted license permit where you are allowed to drive to school or work, you will have more of a chance of getting insurance coverage.

If your car has a co owner, they should be able to insure the car under their name and exclude you as a driver.  This is one way for your car to remain insured.  As far as the registration, that will vary depending on which state you live in. Some states will not allow you to register a vehicle without a valid driver’s license and some will.  You always have the option of putting someone else’s name on the title of your car and have them register the vehicle.

Remember, even if you are able to get your car insured and registered while your license is revoked, that does not mean you can drive the car.  If you get in to an accident while driving with no driver’s license, your insurance company will not cover the damages and you will be in even more trouble with the government.

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Cheap Cars for Teens to Drive

Teen Driver Insurance 1 Comment »

What are the cheapest cars to insure a 16 year old driver?

Auto insurance can be very expensive for a teen driver, but finding the right car can make it much more affordable. Here is a list of cars that are cheaper to insure a teen driver:

Buick LeSabre

Mercury Grand Marquis

Oldsmobile Silhouette

Honda Odyssey

Volvo S40 4dr Sedan

Saturn ION 1 4dr Sedan

Dodge Caravan SE 4dr Minivan

Oldsmobile Bravada

Buick Century

Saturn L300 1 4dr Sedan

There are a lot of different options out there for teen drivers, so make sure you do plenty of research. Compare quotes from a few different insurance companies and for a few different kinds of cars, and you will have much more of a chance at finding cheap teen auto insurance.

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Auto Insurance Payments

Auto Insurance No Comments »

I was two days late paying my bill for my Geico auto insurance. I went on line and paid it, but it says it has been my policy has been cancelled. Will my policy be reinstated because I made a payment or will it be cancelled permanently?

You definitely need to call your insurance company immediately! Chances are they won’t just reinstate your policy after you pay it online.  You need to actually speak to a representative and explain to them that you did make a payment and why it was late.  Hopefully, they will reinstate your policy with no problems, but every insurance company handles this type of situation differently. Some insurance companies are more lenient about reinstating policies, especially if you were only a couple days late and some will permanently cancel your policy the first day you miss a payment. 

If Geico will not reinstate your policy, you will have to get insurance through a different insurance company. Most companies will charge you higher rates for a driver that has had an insurance policy cancelled for any reason.  That is why it is so important to pay your premium on time every time.  Most companies will allow you to do an automatic bank draft so your policy is never late, so that might be something you want to look in to.

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Cheaper Auto Insurance Rates

Auto Insurance No Comments »

I am getting married soon. Should my husband and I combine our auto insurance policies in to one?

I think it’s always a good idea for a married couple to get rid of their individual auto insurance policies and just have one policy with one company. Usually insurance companies will reduce your rates when you add your spouse to your policy, and it is much cheaper for both of you to be on one policy rather than having to pay two separate premiums that are most likely going to be more expensive. The only way that this would have a negative effect on your insurance cost is if your husband/wife has a very bad driving record.

Luckily for you, insurance companies see married couples as more responsible and less likely to file a claim or get in to an accident. It is very common for an auto insurance company to lower your rates when you get married. If you are planning on combining you and your spouse’s insurance policies, make sure you compare quotes from a few different companies before deciding on which one to go with.

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Teen SR22 Insurance – Good Student Discount

Ohio Sr22, Teen Driver Insurance No Comments »

Can getting good grades help lower my Ohio SR22 insurance premium?

Yes, having a good GPA or good grades in school will definitely help get you a cheaper SR22 insurance rate. Insurance companies refer to this and the good student discount, and most companies require at least a B average or better in order for you to qualify for this discount. Good students are seen as more responsible and less likely to get in to accidents or to receive speeding tickets. Teen SR22 insurance is not cheap and the good student discount is a great way to help make your premium more affordable.

The insurance company will usually ask you what your grades are to see if you qualify for the discount and will require you to show them proof of your grades by sending in a copy of your report card. If you are looking to save on your Ohio SR22 insurance the good student discount is one of the best ways to do it.

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