In these tough economic times, you may be tempted to skip car insurance coverage. Don't. We're all feeling the squeeze, but neglecting required car insurance could be a huge mistake. Instead, shop around and compare rates of several companies to find cheap auto insurance coverage and discounts on auto insurance to better fit your budget.
All states have minimum car insurance laws. You might think you can get away without having insurance if you can just avoid accidents, but you can't be sure. Driving without car insurance is a crime. Most states have laws requiring you to show proof of insurance whenever it's asked for. Often this includes random checkpoints that will catch you whether you've done something wrong or not. By maintaining at least the minimum amount of required coverage, you not only remain legal, but also may pay a cheaper auto insurance premium compared to a policy with full coverage.
Many states even have surprise car insurance inspections. In these, you have to mail in proof of insurance showing you were covered on the day they sent the letter. Once you're caught without insurance, it's too late.
Penalties for failing to maintain car insurance can range from a fine, to a suspended license, to jail time. If you get caught, your car or license plates could be impounded until you can pay the fine. Then, you have to pay another fee to reinstate your registration. It's quite possible that all of these penalties could happen at once.
If you're in an accident, there could be strict penalties imposed on you when you try to drive later. In addition to the problems described earlier, you'll probably have to continuously maintain a bond or other proof of car insurance. If this bond expires or is cancelled, you'll be subject to penalties again. States such as Ohio require you to keep this bond on file with an Ohio insurance company – even if you move out of state.
Avoiding these strict penalties and paying large amounts in fines is possible – many insurance companies make it easier to afford a policy by offering discounts on auto insurance for safe drivers, good students, multiple policies and more. You’ll get the coverage you need (and is required by law) and avoid the hefty fines.
Also, keep in mind that car insurance is there to protect you. If you get in a car accident and cause damage to someone or their property, you'll have to pay whatever your car insurance doesn't cover. You can either pay a little now or a lot later.
Above all, if you think car insurance is expensive now, just try getting it after being caught without insurance. You'll be in a new high risk category, and you'll be expected to pay a lot even though you're not a bad driver. Rates are on the rise around the nation, but car insurance is not optional. It's illegal to drive without car insurance, and it won't save you money.
If you're having trouble figuring out how to get cheap auto insurance that better fits your financial situation, you can get a free online car insurance quote from Insurance.com. Or call one of our licensed agents who can help you figure out how to save money with discounts on car insurance.
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Filed under insurance by on Jan 9th, 2011. Comment. 
2008 Ninja 650R?
I'm 17, 6'0 - 6'1, and 220 - 230 lbs. I'm new to riding and mainly want a bike because they are very cheap compared to cars. I'm looking at a Ninja 650R. Is that bike big enough for my size? I also liked the Suzuki 650 but i'm leaning to the Ninja because I like the exaust better (and its cheaper.) Is Suzuki Better? Also does anyone know about how many MPG it will get? My guess would be around 70 but I could be way off. And finally insurance, I live in the Houston area in Texas.
What is a good website that sells motorcycle gear?
The Ninja 650R is a great bike for a beginner. Friendly power, and enough power to last you for a while. Only real knock I've heard against it is that some examples have front brakes that weren't as strong as others. Kawasaki may have fixed this since the intro, too.
As for how well it will fit your frame, best way to find that out is to sit on one. Your dimensions aren't so unusual, so I don't think it would be too much of a problem. I'd pay special attention, however, to the angle at which your knees are bent. Since you're on the tall side, I'd take care to make sure that they aren't bent at too much of an angle. That can get uncomfortable after a while.
I've heard good things about the GSX650F, too, and it would also be a good beginner bike. (I assume that's the model you're talking about).
MPG might be closer to 60. That's going to vary with your riding, too.
Insurance may be pricey. Young males on sportbikes pay a pretty heavy premium. The 650R is a lot closer to a "standard" bike than a sport bike, though it looks racy. Kinda depends on how the insurance company classifies it. Definitely would be a good idea to shop around.
Also, make sure you allocate some of your funds for gear. I know it gets hot in Houston, but riding gear is a lot less hot than skin grafts.
Filed under auto insurance price quote by on Jun 9th, 2010. Comment.
Is seperate insurance for minors nessacary on cars a parent already has insured?
Our agency is state farm, recently i heard that new drivers need no additional insurance, as you buy insurance on a car not on the driver, and that the majority of all these good student discounts and new drivers insurance is just a scam by insurance companies. My friends dad told us he hasn't insured any of his 5 kids on cars he already had insured and he's never had a problem.
Your dad has been lucky that none of his kids has had an accident. When there's a new driver, the company is entitled to the extra premium for the increased risk; failure to add the driver could possibly void coverage after an accident.
Dad doesn't need to take out a new policy for a new driver, but he does need to add the new driver. If there is more than one new driver, the policy will be rated for the most expensive driver.
Filed under auto insurance price quote by on May 29th, 2010. Comment.