If you recently found out that the DMV is suspending your license yet you still want to have car insurance, you may need to call around to find a company that will insure you. Having a suspended license means that you cannot legally drive at this time, but you can still get insurance, and there are good reasons to keep insurance during this time.
What is a suspended license and why does this happen?
When a person gets too many tickets or major traffic violations, the DMV can decide to temporarily cut off the person's right to drive. When this happens, it means that the person's license is suspended; however, there are times when people can still drive with a suspended license. For example, if you really need to drive to work, you can apply for a restricted (also called hardship) license, which will allow you to drive only to work and back, even though you have a suspended license.
Why would you want or need insurance if you have a suspended license?
If you have a license that allows you to drive to work, you would need to have car insurance if you live in a state that requires it. If you do not, you would be at risk for getting your driver's license revoked, which means you could permanently lose your right to drive. Additionally, if you want to have an easier time getting auto insurance in the future when you earn your driving privileges back, you should keep auto insurance to avoid a lapse in coverage. When a policy encounters a lapse, it looks bad, and it can make it harder for the person to get coverage when he or she needs it.
What should you expect with your car insurance rates?
Buying car insurance with a suspended license will end up costing you more money, and this is primarily because car insurance rates are based on risk levels. A person with a suspended license is viewed as a higher risk driver, and this type of driver will always pay more for car insurance coverage. To reduce the rates you pay, you should aim to get your driving privileges back and avoid all violations and claims in the future.
Having car insurance is important for so many reasons. If you currently have a suspended license but want to purchase car insurance, contact an auto insurance company like Allstar Insurance to learn more about getting the coverage you need.
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