I need to get new car insurance

[dereksbicycles]

My current vehicle insurance expires on Sept. 16. My Mom is telling me that I should go in tomorrow to renew my insurance. I don't know what the rush is. I still have 10 days to look for new insurance company. I would always go back to old company.

I currently go with liability only. I just want the cheapest insurance so that I can drive. I may think about full coverage later on.

 

[CrazyPaul]

My current vehicle insurance expires on Sept. 16. My Mom is telling me that I should go in tomorrow to renew my insurance. I don't know what the rush is. I still have 10 days to look for new insurance company. I would always go back to old company.

I currently go with liability only. I just want the cheapest insurance so that I can drive. I may think about full coverage later on.

Try AAA if you are a member. The rate depends on a location. Since you live close to cute ferrets, cats and dogs, it may be a little higher.

 

[dereksbicycles]

Try AAA if you are a member. The rate depends on a location. Since you live close to cute ferrets, cats and dogs, it may be a little higher.

Thank you. I've never thought about AAA. I'm a member of AAA. I won't tell the insurance person that cute ferrets, cats, and dogs are going to drive. It's safe with me and my friends.

 

[radioman]

I am not sure whats the rush is in your state, but here in NYS if you dont carry current insurance, even if you are late by one day of no insurance, they will send electronic info to the local DMV and DMV will revoke/suspend your lincense. If you were under your mom and she is not going to renew under her name, it will hurt HER when you have no insurance on your vehicle. If you have only liability, then getting one under your name shouldnt be an issue, but it will be expensive since its your first time getting insurance under your name as a guy. You will need to shop around and many places here in NYS dont give out good insurance rates the same day you walk in.

Listen to her- there is a reason for it...

 

[Oddball]

I am not sure whats the rush is in your state, but here in NYS if you dont carry current insurance, even if you are late by one day of no insurance, they will send electronic info to the local DMV and DMV will revoke/suspend your lincense. If you were under your mom and she is not going to renew under her name, it will hurt HER when you have no insurance on your vehicle. If you have only liability, then getting one under your name shouldnt be an issue, but it will be expensive since its your first time getting insurance under your name as a guy. You will need to shop around and many places here in NYS dont give out good insurance rates the same day you walk in.

Listen to her- there is a reason for it...

It happened to my friend in Long Island years ago. He hid his crappy car somewhere near his mom's or friend's house in case of repo man looking for his car. He had dealt with NY DMV a few times in the past.

 

[CrazyPaul]

I am not sure whats the rush is in your state, but here in NYS if you dont carry current insurance, even if you are late by one day of no insurance, they will send electronic info to the local DMV and DMV will revoke/suspend your lincense. If you were under your mom and she is not going to renew under her name, it will hurt HER when you have no insurance on your vehicle. If you have only liability, then getting one under your name shouldnt be an issue, but it will be expensive since its your first time getting insurance under your name as a guy. You will need to shop around and many places here in NYS dont give out good insurance rates the same day you walk in.

Listen to her- there is a reason for it...

He is still covered until the 16th. He's shopping around now and wants to get the lowest rate, thus he's asking for suggestions so that's what his thread is about. I suggested AAA. What do you suggest?

 

[diehardbiker]

No, they don't revoke drivers license, they would suspend the registration of specific vehicle. They won't contact you until about 3 months, that is where your gonna pay hefty civil penalty. I think 15 dollars a day. Remember, having a drivers license does not require one to carry insurance. In order to be able to register a vehicle, proof of Insurance is required.

I'm not sure about this, due to the source isn't reliable that there is chip built in license plate and cops will be alerted of expired or suspended registration when one passed them.
The only exception to this is motorcycle, license plate aren't required to be surrender after insurance expired.
From what I learn, Maryland and Pennsylvania copied NYS law but made it even stricter than NYS. In PA, if let insurance lapse just by one day, their law allows Insurance companies triple the rate for next three years, and much heftier penalty than NYS.
I am not sure, but I think NYS was the first to strictly enforce the insurance law and I think it is good law.

I am not sure whats the rush is in your state, but here in NYS if you dont carry current insurance, even if you are late by one day of no insurance, they will send electronic info to the local DMV and DMV will revoke/suspend your lincense. If you were under your mom and she is not going to renew under her name, it will hurt HER when you have no insurance on your vehicle. If you have only liability, then getting one under your name shouldnt be an issue, but it will be expensive since its your first time getting insurance under your name as a guy. You will need to shop around and many places here in NYS dont give out good insurance rates the same day you walk in.

Listen to her- there is a reason for it...

 

[dereksbicycles]

Interesting, in Illinois, a person will be penalized for not driving with insurance only if they got caught. I don't think police will suspend registration for a vehicle. However, I'm sure that if a person is at a stop light and police pulls behind, police may check up plates and then see there is no insurance. Then you would get in trouble.

I believe that in Michigan the penalty for driving without insurance is $300.

 

[CrazyPaul]

No, they don't revoke drivers license, they would suspend the registration of specific vehicle. They won't contact you until about 3 months, that is where your gonna pay hefty civil penalty. I think 15 dollars a day. Remember, having a drivers license does not require one to carry insurance. In order to be able to register a vehicle, proof of Insurance is required.

I'm not sure about this, due to the source isn't reliable that there is chip built in license plate and cops will be alerted of expired or suspended registration when one passed them.
The only exception to this is motorcycle, license plate aren't required to be surrender after insurance expired.
From what I learn, Maryland and Pennsylvania copied NYS law but made it even stricter than NYS. In PA, if let insurance lapse just by one day, their law allows Insurance companies triple the rate for next three years, and much heftier penalty than NYS.
I am not sure, but I think NYS was the first to strictly enforce the insurance law and I think it is good law.

I believe that DMV in all states requires a proof of insurance in order to register a vehicle.

In PA, if let insurance lapse just by one day, their law allows Insurance companies triple the rate for next three years,

That's unreasonable.

 

[dereksbicycles]

I bought a van from auction in Michigan. Their rule is that if you want to drive off after buying, then insurance is required. If you want to tow the van from auction lot to house, then insurance is not required. So a person would tow van to storage unit or something and then just drive home.

In Illinois, I don't recall having proof of insurance to register car. You know that many people would register a car in their name and chose to not plate the car. Not something I would do.

 

[diehardbiker]

Unreasonable? I have to disagree, I was victim of hit and run driver and I believe she ran away due to no insurance.

The idea behind this is to actually decrease the insurance rates and I seen enough proof. My friend who moved down to Louisiana from here and was shocked of sky high rate. He asked insurance agent why so high? The response was rather surprising. A lot of drivers in Louisiana had to get insurance in order to register a vehicle, and they usually cancel insurance within a month. This leaves victims forking the cost to cover the damages. This is not possible in NYS.

I believe that DMV in all states requires a proof of insurance in order to register a vehicle.



That's unreasonable.

 

[CrazyPaul]

I bought a van from auction in Michigan. Their rule is that if you want to drive off after buying, then insurance is required. If you want to tow the van from auction lot to house, then insurance is not required. So a person would tow van to storage unit or something and then just drive home.

In Illinois, I don't recall having proof of insurance to register car. You know that many people would register a car in their name and chose to not plate the car. Not something I would do.

You are right. DMV in Illinois doesn't require a proof of insurance to register a car.

Mandatory Insurance

Your signature on the Vehicle Renewal Registration Application affirms that your vehicle will be properly insured throughout the registration period.

That means you only sign a sworn statement without showing a proof. Bad idea! Some people can lie.

 

[CrazyPaul]

The idea behind this is to actually decrease the insurance rates and I seen enough proof. My friend who moved down to Louisiana from here and was shocked of sky high rate. He asked insurance agent why so high? The response was rather surprising. A lot of drivers in Louisiana had to get insurance in order to register a vehicle, and they usually cancel insurance within a month. This leaves victims forking the cost to cover the damages. This is not possible in NYS.

In CA, an insurance company always reports it to DMV electronically on the same day whenever a policy is cancelled so DMV may send a letter of warning or something like that to the person who registered the car.

 

[CrazyPaul]

Unreasonable? I have to disagree, I was victim of hit and run driver and I believe she ran away due to no insurance.

I think it's unreasonable because insurance companies in PA can TRIPLE the rate for THREE years even if you renew it after one day lapse. For example, the regular rate is $1,000 per year so a triple rate would be $3,000 per year for three years. WTF?


From your post-

In PA, if let insurance lapse just by one day, their law allows Insurance companies triple the rate for next three years

 

[Reba]

Each state's insurance rules are different. In South Carolina:

Current South Carolina law requires that at the time a driver's license is issued for the first time and a driver's license is renewed, drivers must certify on the driver's license application (DL 447) that they are insured by an automobile liability policy. If an applicant does not own a vehicle or a vehicle is not in the household of the applicant, the applicant can check off on the application accordingly. The applicant declaring liability insurance certifies personal automobile liability insurance and not liability insurance of an employer.

Owners are required to provide proof that the vehicle being operated is insured. The first time you register your vehicle in South Carolina and each time your vehicle registration is renewed, you must provide the name of your insurance company. SCDMV will verify your coverage electronically. If the insurance policy cannot be verified, your driver's license and vehicle registration may be suspended. If you are a new resident in South Carolina and have an automobile policy with a national insurance company, be sure to change your address with your insurance company before you register your vehicle in South Carolina.

If you are stopped by a law enforcement officer and unable to provide proof that the vehicle you are operating is insured, you may be issued a citation and be subject to a fine or imprisonment.

If issued a citation, you will be required to provide proof of insurance for the vehicle that you were operating at the time within thirty (30) days to avoid an indefinite suspension of your driver’s license.

Presently, the minimum limits for SC are "25/50/25".

At the time of an accident, South Carolina Law requires that the investigating officer issue a Notice of Requirement (Form FR-10) to verify that liability insurance was in effect at the time of an accident. When the investigating officer issues the form, the owner is responsible for providing proof (via insurance company) that the vehicle involved in the accident was insured. Failure to provide insurance verification to the department within fifteen (15) days from the date of the accident may result in suspension of the owner's driver’s license and/or registration privileges.

South Carolina Law requires that insurance companies notify the department when a liability insurance policy is cancelled. The Notice of Cancellation of Policy (Form FR-4) is forwarded to the department and then forwarded to the owner. The owner is required to update the department with current insurance information or surrender the vehicle plate/registration. Failure of the owner to submit verification that the vehicle is currently insured or advise the department of the current disposition will result in the suspension of your driver license and the vehicle plate/registration. If suspended, the owner may be required to pay a reinstatement fee up to $400.00.

SC Department of Motor Vehicles

 

[diehardbiker]

Sure, first of all why should one who plays games with insurance requirement and get away with it and oops got an accident without insurance, how much this is gonna to cost to those who pay insurance regularly and on time? Its called Financial responsibility. If one gets slapped with triple rate increase for three years, do you think violators is going too take this lightly?

There are other penalties that is even steeper than this one. I drove in Massachusetts last month and saw the sign, littering? Fine up to $10,000, isn't it reasonable, eh?

I don't see difference, if you violate the law, you gonna pay one way or other.

I think it's unreasonable because insurance companies in PA can TRIPLE the rate for THREE years even if you renew it after one day lapse. For example, the regular rate is $1,000 per year so a triple rate would be $3,000 per year for three years. WTF?


From your post-

 

[CrazyPaul]

Sure, first of all why should one who plays games with insurance requirement and get away with it and oops got an accident without insurance, how much this is gonna to cost to those who pay insurance regularly and on time? Its called Financial responsibility. If one gets slapped with triple rate increase for three years, do you think violators is going too take this lightly?


I don't see difference, if you violate the law, you gonna pay one way or other.

Pay fines or penalty fees to DMV for non- or late renewal, that's fine. Tripled insurance premium means PROFITS for insurance company even if a driver has a clean record (no traffic violations/no accidents), that's not fine. Know what I am talking about?

There are other penalties that is even steeper than this one. I drove in Massachusetts last month and saw the sign, littering? Fine up to $10,000, isn't it reasonable, eh?

Up to $10k could mean $100 or $500 or more depending on what kind of litter, I guess. For example, $10k fine for littering a tiny gum wrap? No way!

 

[diehardbiker]

It is a risk assessment, when one violates the law, the chances of gettting an accident is higher. Same applies if you get speeding ticket, your insurance goes up. WHY? It is part of risk assessment where if you speed, your likely get in accident more than non-speeder.

I wish I took picture of that sign, its in northeast Massachusetts, north of Boston. I asked my friend if I am seeing right, and he said yes and up to $10,000 dollars.

Pay fines or penalty fees to DMV for non- or late renewal, that's fine. Tripled insurance premium means PROFITS for insurance company even if a driver has a clean record (no traffic violations/no accidents), that's not fine. Know what I am talking about?


Up to $10k could mean $100 or $500 or more depending on what kind of litter, I guess. For example, $10k fine for littering a tiny gum wrap? No way!

 

[Foxrac]

I believe that DMV in all states requires a proof of insurance in order to register a vehicle.



That's unreasonable.

Not all, some states like NH doesn't require any insurance to drive.

but watch out for drivers to sue in the court due to uninsured drivers.

 

[CrazyPaul]

Not all, some states like NH doesn't require any insurance to drive.

but watch out for drivers to sue in the court due to uninsured drivers.

WTF?

Anyway, my car was hit by another driver who showed the insurance card to me and police who didn't file a report because the accident happened on a parking lot at a shopping plaza. Then I reported it to my ins co who later told me that the driver's policy was cancelled.

I decided to stop by his house and the driver's brother who answered the door explained to me that the policy was his, not the driver's and he cancelled it after he sold the car to the driver (his brother). The brother apologized but the driver didn't.

I was pissed off but fortunately my ins covered my car damage, even though I didn't pay for uninsured motorists coverage so a few days later I called my co to see if they contacted the driver and planned to sue him. They said that it's none of my business. Interesting.

BTW, every driver should have at least a liability coverage. If a driver bought a new car through car loan, a full coverage is required by a loan company anyway.