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Auto Insurance Without A Driver’s License

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Can I get auto insurance coverage without a driver’s license?

That really depends on which state you live in. Most states require that you have a valid driver’s license in order to get car insurance.In states where there are no laws about this it is up to the individual auto insurance company.You might find a few companies that will allow you to get immediate coverage but require that you get a driver’s license within a certain amount of time. If you do not get a license in this time period, your auto insurance coverage will be cancelled.

If you have a vehicle that needs insurance, but you cannot get a license any time soon you could check with a company to see if another driver could insure your car for you.It is always best that you have a driver’s license when purchasing auto insurance, but there are a few different options available to you if you don’t. Just do your research and check with a few different companies.

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Kentucky DUI Penalties

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What is the penalty for getting a DUI in Kentucky? This is my first offense.

The penalties for a first offense DUI conviction in Kentucky include:

·2-30 days in jail

·$200-$500 fine

·30-120 day driver’s license suspension

·Possible 48 hours – 30 days community service (this can be applied for in lieu of paying a fine and/or jail time)

·90 day alcohol abuse program

If this is your second or third offense, you could face much harsher penalties.You should contact the Kentucky Transportation Cabinet if you have any specific questions about your DUI penalties or driver’s license suspension.

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Why Did My Rates Go Up?

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I just bought a new car and the insurance is more expensive than my old car. Why does the auto insurance cost so much if this car is cheaper than the one I had previously?

There are a number of reasons why your auto insurance could have increase when you bought your new car.The make and model of the vehicle have a large impact on your car insurance rates.Insurance companies don’t just look at how expensive the car is.They look at other factors like how likely the car is to be stolen or how easy it is to break in to.There are numerous lists out there of the most frequently stolen cars, so you might want to check to see if your car is on there.Some cheaper cars have less expensive parts but suffer serious damage in even minor wrecks due to poor craftsmanship, so this could be another reason why your rates went up.

You should ask your insurance company why your rates went up if you have any doubts or feel like you could be over paying.It is always a good idea to compare free car insurance quotes online before you purchase a car just to make sure the insurance costs are affordable.

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PLPD Car Insurance

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What is PLPD insurance?

PLPD car insurance stands for public liability and property damage, and it is usually the minimum amount of car insurance coverage required by the state.This type of coverage is basically the same thing as property damage and bodily injury liability insurance.PLPD auto insurance provides coverage for damage that you do to someone else’s property and covers you if your car causes any injury or death to someone.PLPD insurance does not provide coverage for any damage to your vehicle in an accident or for theft or vandalism.

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Can My Friend Borrow My Car?

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Is it ok to let my friend borrow my car even though she does not have car insurance? I have my own insurance policy for my car. Will she be covered?

That just depends on your insurance policy. Normally, auto insurance follows the car, not the driver, so your car would be covered even if she was driving.You need to read your insurance policy or call your insurance provider just to make sure though. Some policies will not allow other drivers or uninsured drivers to drive your vehicle.Never let anyone that isn’t listed on your car insurance policy drive your car unless you have checked with your insurance company to make sure they are covered.You don’t want your friend to get in to an accident and then find out later that the insurance company won’t pay for it.

Remember, if your friend gets in to an accident and it’s her fault, your auto insurance will have to pay for the damages, and your car insurance rates could increase.The more insurance claims you have on your policy the higher premiums you will have to pay.

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Driving Without A License In Kentucky

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I am a 15 year old boy, and I cannot wait to get my driver’s license. What will happen if I get caught driving without a license in Kentucky?

It is never a good idea to drive without a valid driver’s license, especially if you are not even old enough to drive legally.  In Kentucky it is a Class B misdemeanor to drive without a driver’s license.  If someone allows you to drive to drive their car and knows that you do not have a driver’s license, they will also be found guilty of a Class B misdemeanor.  The punishment for a Class B misdemeanor in Kentucky is a fine of up to $250 and/or up to 90 days in jail.

Since you are a minor, getting caught without a driver’s license can prevent you from getting your driver’s license when you are 16.  If you get in to an accident, the insurance on the car you are driving will probably not cover you, and you could face thousands of dollars in damages.  Driving without a license is a very serious offense, so it’s best to wait until you are legally allowed to drive.

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Hybrid Car Insurance

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I just bought a hybrid Honda Civic.  Will a hybrid vehicle lower my auto insurance premium?

There are a few insurance companies in some states that will give you a discount for insuring a hybrid vehicle.  Most companies might not though because insurance is based on risk and the value of the car.  Just because a car is a hybrid doesn’t mean that the replacement parts due to an accident are any cheaper than a regular car, so your auto insurance company has no real benefit for giving you a discount on your hybrid car.

Either way, I would recommend getting quotes from 3-5 different insurance companies to see if any of them will give any better rate for your hybrid vehicle.  The more companies you research, the better chance you will have of finding the cheapest rate possible.

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