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The penalty for driving without insurance varies from state to state. In some states, your vehicle tag can be seized and your car impounded. In addition, some states impose heavy fines for those who drive without auto insurance. Limited sates fine a fee of $150 to $500 for driving without insurance.
The consequences can be far […]

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GAP insurance can provide valuable protection during the early years of your car’s life if you have a loan or a lease.
If a loss occurs, GAP insurance will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan or lease. Gap Insurance protects your vehicle lease […]

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When your car is totaled, the insurance company has an obligation to “make you whole,” as that is defined in the policy.
Most policies value your vehicle using Actual Cash Value. “Actual Cash Value” means replacement value less depreciation.
This essentially means you have to be left in approximately the same financial position (with respect to the […]

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Each infraction such as moving violations, parking tickets, at-fault accidents, or driving under the influence, is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record. Each insurance company has […]

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If it was your first ticket, you might not see any change in your rates. Some states have laws governing when and why auto insurers can change policyholders’ premiums; often, insurers are not allowed to raise your rates after just one speeding ticket or other citation.
Different companies have different practices when it comes to raising […]

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In most cases, the less expensive the car is to buy, the less expensive it is to insure.
In addition, domestic vehicles are usually less expensive to insure as are 4 door cars, 4 cylinder motors and minivans.
According to leading car retailers, these cost the least to insure in the first 5 years of ownership:

Chrysler PT […]

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Please refer to the updated date below to see the last time this answer was updated. The requirement for PIP expired on on October 1st. Florida became a tort state in accidents IF all parties don’t have PIP coverage. Until January 1, 2007 lawmakers say, no-fault will continue to apply only when all drivers in an accident have PIP […]

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SR-22 insurance varies state to state.
The basic definition of an SR-22 form is available on our Insurance Terms page.
SR-22 isn’t a type of insurance, but rather proof that you have certain types of insurance (based upon the financial responsbility laws of your state).
Simply, it is a form which must be filed by the insurance company […]

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What is required to apply and obtain a driver’s license differs from state to state so you will need to contact your local Department of Motor Vehicles or like state agency.
For example in Florida the HSMV notes that if you are age 18 or older you should bring the following to obtain a FL driver’s […]

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No, it does not appear possible for you to obtain a Colorado driver’s license while your Illinois license is suspended.
The Colorado’s Driver Handbook lists reasons why persons who cannot be issued a CO driver’s license. Here it includes:

Any person under suspension, revocation, or denial of driving privileges in this or any other state.

Any person who […]

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