Do US auto insurers penalize uninsured motorists?

I’m turning 25 at the end of August, and my insurer has told me they are canceling my current policy on 8/27 if I do not pay today. That’s fine with me, because my premium is so high right now due to 4 at-fault accidents on my record (& the fact that I live in an expensive-insurance zip code). Two of those accidents come off my record starting in September, and due to that and my age change I’m thinking my insurance would come down $800-$1000 less than the premium I’m paying now for 6 months (over $2000). The penalties accrued in my state amount to $175 for re-registration of an uninsured vehicle, and I figure if I go to the DMV right away with my new insurance card, explaining that I did not drive my car between 8/27 and 9/1 (or whenever my new policy starts), I can get away without any additional court fees or tickets on my record. But I’m wondering what the insurers will think if I try to sign up for insurance without any preexisting. Do they penalize (with rate hikes) for this?

Sounds like you are trying to cheat the system. That can cause you a lot more harm than you are trying to prevent.

If you cancel or let your insurance lap, this will become part of your insurance ‘history’ and put a black mark on your insurance record. You will end up having to pay more to start a new policy and your rates may even go up. Check with your agent, before you take any action. You got yourself into a mess and it’s your responsibility to face the consequences.

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No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.

My car insurance is £6000 and im 17 can anybody help pleeeeeeeeese.?

Hi on average my car insurance is £6000. I got these from price comparison wesbites. I am trying to insure a 2002 1.2 litre Vauxhall Corsa, on Third Party Fire and Theft. I am going to do about 10000 miles a year. I live in Lozells Birmingham United Kingdom. Can anybody get my Insurance done for cheaper. I have shopped around so much, i even put my mum on as main driver but it only gets £500 off my insurance. Can anybody help me maybe anyone that work in car insurance.
The car is going to get parked in a locked garage. I put my excess up to max which is £500 but still the same.

Theres a very useful company called “club marmalade” (cute name) which specifically caters for young drivers who have just passed their test. It is a policy which is fully comprehensive insurance too! Price comparison sites quoted me like £2600 to drive a corsa once I passed which was rediculously expensive but club marmalade only quoted £1245 or something very similar

There is a catch to this though… You need to do a pass plus scheme after you pass your driving test, which costs the price of 6 hours of driving lessons, you don’t have to take a test afterwards though! The OTHER catch is that you cannot drive the car between 11pm and 5am and they fit a tracking device onto the car to make sure of this.

Although you are still insured between 11 and 5, a charge of £45 is issued for each night you travelled between these times. I guess its ok if you only broke it once or twice (because you still save a few grand). As long as you dont mind the curfew, then you can save alot of money.

Another tip to keep your premium lower, when filling out a quote form, put your estimated annual mileage to 2000-3000 miles. It doesnt affect your insurance if you go above the estimate!

Hope this helps a little, I looked through ALOT of options to get to this point haha xD

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Gap insurance for private motor cars – is it worth taking?

I bought a new car on hire purchase. I was offered Gap Insurance on it for £135 I think. Basically if the car is written off in an accident the insurance company will make up the difference of the financial settlement my car insurance company will make on a written off vehicle i.e. if I owe more on finance than the vehicle is worth at the time Gap will make up the difference.

Yes, gap insurance is definately worth it. You’re not going to get anywhere near enough money to buy a replacement on just normal insurance. So if you get gap insurance, you won’t be hugely out of pocket if something happens to your car.

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What do I need to do in traffic court?

Heres the deal: I was speeding, no denying that. I was passing a car 70mph (on speed limit of 70) and while I was passing the car it switch over to 55mph, and the cop was right at the sign.

Go to the clerk of the court before the court date, ask them if traffic school is a option,
For example in one county in TN , you never had to go to court, you get the paper work for traffic school from the clerk, go to school, and turn it in with court fees to the clerk, you never see the judge.

In another county in TN, you have to appear before the judge and ask for traffic school instead of a fine.

So you need to call the court and find out what thier procedure is, ( there is no one standard procedure in TN)