Driving Without Car Insurance

Reader’s Question:

If you get caught by the law enforcement officer for driving without insurance, does that go toward your criminal record?

Richie

Dallas, TX

 

When you are cited for a traffic violation and you are unable to show proof of insurance to a law enforcement officer, usually the penalties range from suspension of your license and possibly even fines. This type of infraction is typically added to your driving record and it usually remains on your driving record between 7-10 years depending on your state law.

But, some states consider serious moving violations to be a criminal offense as well. Cases where in DUI leads to a fatality, or even death, reckless driving in states can be considered a criminal violation. So if get involved in a more serious infraction and you do not have an auto insurance, it could be considered a criminal offense. Criminal violations usually incur more severe penalties and these infractions remain on your criminal record permanently.

You may be able to contact your state DMV to get more information about about moving violations and the penalties you may receive for driving without insurance. If you are looking for an affordable auto insurance, you may begin by getting free quotes here by placing your zip code above this page.

Auto Insurance Quote For Seniors

Reader’s Question:

Does your auto insurance rates go up once you reach the age of 65?

Rob

Chicago, IL

 

No, insurance rates do not necessarily increase once you reach age 65. It will depend upon insurance company guidelines and state laws if auto insurance rates will be raised after a motorist turns a certain age.

Some insurance carriers offer lower rates to those between 50 and 65 years of age,because this group has lower accident rates. After the age 65 rates do start to rise again though and those over age 70 may have difficulty looking for an insurance company to accept them as a new policyholder since accidents for this age group tend to go up.

There are car insurance companies though that give senior driver discounts for drivers of a certain age with clean history or discounts to seniors who attend an approved driving course.

Auto Insurance Premium Rate

Reader’s Question:

What is the difference between car insurance premiums and car insurance rates ?

Monica

Hartford, CT

The terms premiums and rates are virtually interchangeable.

A meaning of “rate” is a fix amount of premium to be charged per unit of insurance. Some agents use car insurance rate to refer to the amount you will be charged and premium as the amount you have agreed or paid. For instance, they will say this is your “insurance rate” and when you pay that is your “insurance premium.’

The meaning of “premium” is consideration paid for a contract of auto insurance. Another meaning is the price of insurance an insured individual pays for a specified risk for a specified period of time.

Your insurance provider may speak of your rate or your premium or even your premium rate.

Either term is referring to the amount you will pay for your auto insurance coverage for the specified period time listed on your policy, normally a six or twelve month interval.