Driving as an uninsured driver is not only a financial risk, but it could be a legal risk as well. For example, if you are driving uninsured and live in a state that requires coverage, getting pulled over by an officer could lead to regretful consequences. Do not think that driving cautiously will prevent you from drawing the attention of patrol officers, as you never know what might lead to getting pulled over. Your best bet is to invest in auto insurance coverage to ensure you are driving within the boundaries of the law depending on your state. 

How is an Auto Insurance Price Quote Calculated?

When you request a price quote for auto insurance coverage, the price will be based on a risk assessment. An insurance premium can vary between drivers based on several factors, including how many collisions a driver has caused. Your credit score will also play a role in the price quote, so you should expect the insurance company to run a credit check. Another contributing factor to the quote is the type of vehicle you own, as a vehicle with modern safety features might lead to a lower quote. Your age and sex are factors as well because the statistics usually show more accidents happening from driving of a particular sex and age.

What Makes Auto Insurance Coverage Important?

Auto insurance is important for several reasons, including protecting everyone who shares the roads with you. Limited liability auto insurance is commonly the minimum coverage required as per most state laws. The reason is that other drivers can file a claim for compensation if you accidentally collide with their vehicle. However, coverage is also important for your own needs so you will have money available to repair your vehicle and pay medical expenses. If you want financial protection in the event of causing an accident, you will need full coverage rather than limited liability insurance.

What Are the Consequences of Driving without Coverage?

A fine or jail time are the typical consequences of driving without auto insurance coverage. Punishment is based on how many times you were caught without coverage in the past. Whether an accident was caused at the time of getting caught also plays a role in the consequences. Keep in mind that your driver's license can get suspended or revoked from driving without coverage as well. Other than the legal consequences, your insurance premium can increase.

You can start by contacting an auto insurance agent to request a price quote for your vehicle.