Don’t Let Your Auto Insurance Skyrocket

When it comes to keeping your auto insurance premium affordable, you have to keep up with all the factors that may cause fluctuations in car insurance quotes. It’s your responsibility to keep in check anything that may cause your car insurance rates to rise. That includes moving violations and keeping a valid driver’s license. To shop for the lowest rates on a new policy, use our quick online forms to compare several quotes.
A Suspended License and What It Means

One too many moving violations can and will result in your driver’s license to suspended. As if it weren’t daunting enough to lose your key to open and unrestricted transportation, a suspended license may cause your auto insurance premium to skyrocket. Moving violations are red flags to your insurance company that you may be a high-risk client. Those risks calculate higher premiums, and nothing is more high-risk than a policyholder who has been reckless enough to get their license suspended.
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Any of the following (however, the full types of violations are not limited to this list) can result in a ticket, fine, and/or fee; enough of them can result in your license becoming suspended:

* Speeding
* Failure to obey traffic signs
* Disobeying a red light
* Failure to signal when turning or changing lanes
* Not wearing a seatbelt
* Failure to stop for a pedestrian, school bus (when children or getting on or off)
* Drunken driving; reckless driving; vehicular homicide

The more of these infractions that are on your driving record, the more it will cost to insure you. In other words, the more it will cost YOU to keep up your car insurance premiums. For reckless drivers, car insurance quotes will only get higher and higher.
What You Can Do About It:

* Get car insurance quotes. Oftentimes, if you want to get your license reinstated, you will need to show proof of your auto insurance, SR22 insurance , most likely. (Remember: it’s illegal to drive uninsured). Shop online for car insurance quotes and to find an affordable policy. See what car insurance agents are willing to work with you and offer you a policy within your budget and with sufficient coverage.
* Defensive driving course. Proving that you are willing to take additional training to develop better driving skills is a big step in the right direction to proving your insurability to insurance companies. A car insurance agent or provider is more likely to take a chance with you if you have successfully completed a defensive driving course.
* Pay up. If you would like to reinstate your license after your probation/suspension period is over, remember that you are required to pay reinstatement fees. Costs vary, so contact your local DMV to find out how much it costs to reinstate a suspended license. Keep in mind, it can get very expensive (costs can vary between $70 and $500).
* Apply for a temporary driving permit/restricted license. In some cases, a suspended-licensed driver may be able to apply for a temporary driving permit or a temporary restricted license (some states offer this; check with your local DMV to see if yours does). This permit/license allows you to continue driving, but only for certain reasons—e.g. commuting to and from work, needed medical appointments, etc. To get a temporary permit/license, the suspended-licensed driver will have to pay their state’s reinstatement fee, fulfill responsibility criteria and successfully complete a written test. To keep this privilege, the driver is not allowed to make even one more moving violation.
* Keep your record clean. Losing your license is equivalent to hitting rock bottom. Take it as an opportunity to try to start over, keep your record clean and prove that you can and will be insurable once again. Steer clear of anything that will further blemish your driving record.

Getting Around the Law: Not So Fast…

There is a database known as the National Driver Register (NDR). This allows authorities and licensing agencies to keep track of those drivers with licenses that are either revoked or suspended. This prevents suspended-licensed drivers from seeking another driver’s license in another state.
Be Patient When Getting Car Insurance Quotes

When looking for car insurance quotes, don’t get discouraged if you’re not hearing a number that you like. Because suspended-licensed drivers are considered high risk, it’s not uncommon for car insurance agents to offer you higher car insurance quotes. While you may be expected to pay a higher premium at first, proving yourself as a responsible driver over time will qualify you for a discount or reduced premium rate. Using the online forms here at InsuranceAgents.com you can compare multiple quotes from local agents in you area.