If you’ve had your license suspended, you may be wondering what you should do about car insurance. If you previously had car insurance, should you keep paying it while your license is suspended? If you are looking to purchase a policy, how do you get car insurance with a suspended license?
Let’s take a look at all the ins and outs of a suspended license and car insurance.
What is a license suspension?
There are some driving violations that are so severe that an automatic license suspension occurs. These include things like drunk driving. You can also have your license suspended for being caught driving without auto insurance or if you’ve had multiple violations.
And while you may be at-fault and take full responsibility for your actions, you may also be facing a hardship when you don’t have a valid license. In some cases, there is nothing you can do but for some offenses there are ways to get your license back by proving you are following the rules.
If your license has been suspended for lack of insurance, you have options. Read on to find out more.
Do I need car insurance if my license has been suspended?
If you have a valid car insurance policy and your license is suspended, you would be smart to continue to pay on the policy and keep it active. The reason for this is more long-term. By keeping continuous coverage, you will save money in the long run. This is because insurance companies do not like to see a gap in coverage. By keeping your policy intact, you will avoid a huge rate hike that could occur by ending your policy and then later shopping for a new one.
What type of auto insurance can I get with a suspended license?
If you are shopping for car insurance with a suspended license you have options, though they are few.
One way is to get an SR-22 insurance policy. This can work in situations where your license is suspended for driving without insurance or other offenses. An SR-22 is essentially a testimony to the state by an insurance company that you in fact have appropriate insurance coverage. The insurance company is vouching for you.
SR-22 policies are expensive for this reason, but they may be your only option. Because of your suspension, you are considered a high-risk driver and standard policies do not apply.
How to get car insurance with a suspended license
If you are forced into the SR-22 market for car insurance because of a suspended license your best bet is to shop around. While this type of insurance is expensive, you still have options as several insurance companies provide SR-22 coverage, some exclusively.
When you are ready to shop around, we can help. The InsuranceWins form is a great place to start. With a little bit of information, you can start receiving quotes from well-known insurance companies and find a policy that gets you back on the road. Get started now!