Why You Shouldn't Wait to Get Car Insurance in the USA

Car insurance in the USA doesn’t have to be so comp

licated. When you have the right car insurance plan, your driving experience can be safer, easier and more fun than ever before. To learn more about why you shouldn’t wait to get the right car insurance in the USA, read on!

You could be fined

If you're driving without car insurance, you can be fined up to $1,000 for every offense. These fines are determined by how many offenses you've had and what state you live in. For example, if you live in California and have had two or more violations of not having car insurance within a 12-month period, your fine will be $2,000-$10,000. Fines don't stop there: In addition to fines, you may also face jail time if convicted of driving without auto insurance. The jail sentence length varies by state. 

If it's totaled: If your car is damaged while uninsured, it could be totaled at an auction—and that means even more expensive repairs.

Your rates will be higher

When you're thinking about buying car insurance for your vehicle, it's best not to wait. If you happen to have an accident or get a ticket between now and when you purchase your car insurance, your rates will be higher. But if you buy today, then those events are already accounted for in your quote. 

A good time to buy is before your renewal date: Some people like to plan ahead and renew their auto insurance policies at least 30 days before their expiration date. That way they can enjoy a low rate for as long as possible because of the laws of supply and demand.

The sooner, the better: Regardless of whether it's six months or two weeks before your policy expires, you should still look into purchasing new coverage right away because there are plenty of different companies out there competing with each other so prices are always going up every year.

You're putting yourself at risk

Driving without insurance is illegal and puts you at risk of getting a hefty fine and points on your license. Plus, if you get into an accident and don't have car insurance, it could put you in a bad situation financially. The same is true for being uninsured if someone else gets into an accident with your vehicle. If the other driver doesn't have coverage either, then you'll be stuck paying for everything out of pocket. Weigh these things up before deciding to go without car insurance. It's also worth noting that some states require drivers to carry liability car insurance, so even if you're in a state that doesn't enforce this rule, make sure that you do.


You could lose your license

If you don't have car insurance and get into an accident, you could end up with a traffic ticket that leads to your license being suspended. Once your license is suspended, you won't be able to drive anywhere, including work. Without a car and without a job, it's pretty hard for someone to make ends meet. In the United States, people need a drivers license before they can legally operate a motor vehicle on public roads. 

If your driver’s licence is suspended as the result of not having car insurance and getting into an accident then you may find yourself facing some very serious consequences. You will not be able to drive so if you need to go out of town or even cross state lines for any reason this could pose significant problems. You may also find that obtaining employment becomes more difficult because employers may take notice of any suspension on your driving record and refuse to hire you based on this information alone.

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