Getting auto insurance with suspended license can be a strenuous task as companies provide car coverage to only those drivers that have valid driver’s license. A license suspension amounts to having no license and so, most of the insurers might be averse to working with drivers who can be deemed risky propositions to insure. Your driver license can be suspended for a number of reasons such as conviction for DUI/DWI offense and, multiple traffic violations or accidents. While it could be possible to get car insurance even with a suspended license, be cost may be huge. And in case, you have a DUI/DWI conviction, you might also need to engage the services of a competent attorney.
We specializes in educating drivers across the United States regarding the basics of improving chances of getting affordable car insurance policies. We also provide specialist assistance to get and compare the best as well as the cheapest free quotes online within a span of few minutes.
For getting car insurance with a suspended license, it is vital that you first find out what your state’s DMV requires you to do to get your driver’s reinstated. States require drivers with DUI/DWI offenses to file for SR-22 or FR-44 certification (as is the case) as the first step to get their driving privileges restored. Besides, when your driver’s license is under suspension, there could be few other reasons which might prompt you to maintain continuity of car coverage even if you are not allowed to drive your car. Your current insurance company may cancel or suspend your auto insurance cover if you are convicted for a DUI or DWI offense.
Let us see some other situations that can require you to obtain car insurance with no driver license.
- If your vehicle is under finance from a bank or dealership, you may be required to maintain car coverage despite the fact that you are not driving it due to license suspension.
- Some states require resident drivers to maintain continuity of car coverage in certain cases. If you happen to be a resident of one these states then you need to ensure that your vehicle is insured.
- There is a possibility that you can drive your car by being a secondary driver on your car insurance policy. While your driver license is under suspension, you can buy insurance with your spouse or some other household member as the primary driver on the policy.
You can buy auto insurance with suspended license even if you have been convicted for a DUI/DWI conviction leading to suspension of driver’s license. Your state’s DMV may issue a “hardship license” for a specified period of time until which you can get your driver’s license reinstated by following a due legal procedure. Such a proposition may allow you to run day to day household errands like buying groceries, dropping and picking up children to and from school, etc. Nevertheless, even on reinstatement of your driver’s license, you will be considered a “high risk” driver which means that premiums will increase substantially in the years to come. In fact, the outcome could depend on the magnitude of the offense that you have committed.
The main reason why getting car insurance with a suspended license comes at a big price is not just about your being tagged as a high risk driver but you may also have to spend fees for attorney’s services to get your driver license suspension negated. DMVs of states have specific set of rules and regulations and accordingly, paperwork has to be prepared and furnished. Only qualified and highly experienced lawyers know the exact type of documentation which needs to be supplied along with the application. And last but not the least, even to get short term insurance covers, extensive shopping is necessary. To save some money, you need to consult an expert who is thoroughly well versed with the requirements of the multiple quotes comparison process.
Aliasinsurance.com can assist you in finding the best cheap car insurance for no license drivers online through a simple, easy and hassle-free process. Take advantage of our cost-free services online for securing an auto car insurance solution that easily fits your specific driving needs and budget.
Also read peoplesmagazine