QuoteClix.com helps you Locate a Cheap Insurance Policy
Finding the cheapest rate for automobile coverage can be a tough task for certain individuals depending on their personal situation and needs. Sure if someone has a crystal clean driving record and only need a basic liability policy then locating a low cost auto insurance can be as easy as making a couple of phone calls, but there are many motorists who may be in need of more extensive coverage and/or have had a few mishaps in the past which may cause their rates to be relatively high.
Everybody is looking to find a cheap insurance carrier and this is especially true for individuals who have had tickets, accidents, been convicted of driving under the influence (DUI) or are newly licensed; this is because these motorists may be considered a high risk to insure and certain insurers will charge inflated premiums to cover the higher risks of a loss associated with insuring these individuals. In some cases some consumers may have assets to protect and feel the need to purchase policies that will cover their losses which can also raise rates, but of course they still want to pay as little as possible for the product they are seeking. Therefore, whether a person’s driving record is clean as a whistle, they have had a few incidents or need more coverage, the most effective way to get the cheapest policy is to seek out the company which can offer it.
Finding the Cheapest Insurance Policies
The basic principle of seeking out the most affordable coverage is quite simple; determine the amount and type of coverage needed and shop around until you find the company that can provide the product at the lowest price possible. While the concept may seem easy enough, locating a low cost premium can take a bit of time and if a consumer does not shop properly they may not find the best deal; as motorists comparison shop they should try to get as many quotes as possible before making a purchase and while this seems like it can be an extremely time consuming task, it does not necessarily have to be and can save a lot of money in the long run.
There are traditional methods of getting quotations from insurers such as visiting offices, but driving to twenty different offices can be take a whole lot of time and can also burn a lot of gasoline. Although another popular method of calling carriers individually will not take as much time or use gas, but can eat up some cell phone minutes can be used they are not the most efficient way to shop. The Internet has come along and made shopping for automobile coverage quick and convenient; there are even websites that can provide rates from over 50 different carriers in about five minutes. The Utah Insurance Department and just about every other government consumer guide advises consumers to shop around before purchasing coverage in order to get the best deal; so regardless of the method preferred to compare rates, be sure to get as many as possible before obtaining a policy.
Additional Reasons for Buying Insurance without a License
Whether licensed or not, in many states an individual who owns a vehicle will be required to maintain car insurance for as long as they have a valid registration; if they wish to forfeit the registration they can, but should notify the proper state department before canceling coverage in order to avoid any penalties and fines for failure to maintain a policy. Although it may not seem to make sense to keep policies on a vehicle while unlicensed there are situations where it may be a good idea. Vehicle owners may not have a driver’s license themselves, but may occasionally lend out their automobile to friends, members of their household or caretakers would need the vehicle to be insured to be operated legally.
One very common reason an unlicensed driver would need to obtain coverage is if their driving privileges have been suspended and they need to prove that they have purchased the state’s requirements in order to have privileges reinstated. According to the South Dakota Department of Public Safety, an operator who has had their driver licensed suspended or revoked following a judgment, lack of insurance, driving under the influence, vehicular homicide or for two convictions of reckless driving in one year must obtain proof of financial responsibility before operating a vehicle within the state; this also applies if they wish to register a vehicle in SD as well. Although this is an example of one particular state’s laws, there are many cases when unlicensed motorists will need to obtain coverage. Consumers should be sure to be familiar with their state’s requirements to avoid penalties for lack of an automobile policy.