Can I Get Auto Insurance With A Suspended Drivers License?

Reader’s Question:

I recently got my drivers license suspended because of some traffic tickets here in Idaho that I forgot to pay, would it still be possible for me to get auto insurance coverage?

June D.

Pocatello, ID

There is no reason why you shouldn’t be able to get coverage from auto insurance companies there in Idaho, as long as you got your drivers license reinstated, otherwise it would be very difficult to get anyone to insure you until you get your license back. It would be worth noting that there are providers out there who will agree to give you auto insurance coverage, even without a license yet, but most of those companies are rare and you would have to agree to very limited terms and conditions. So if you don’t have not gotten your license back yet, it would be very wise to start taking care of that first

Another thing that you should know about is how this would affect your auto insurance rate once you do apply for a new policy. Generally, a suspension of your license would mean a higher auto insurance rate with most providers, and your record will show this suspension for the next three years so it is very important to be careful in getting any further violations (even minor ones) as this can further escalate your insurance rates. You may choose to get defensive driving classes that should qualify you for discounts on your premiums. You could also consider driving an older or less expensive car and increase your deductible on your policy to save as much as you can on auto insurance costs.

Getting Auto Insurance With Recent Traffic Violation

Reader’s Question:

Is there any way that I can still have my auto insurance premiums lowered even if it was due to a recent traffic violation that got my license suspended?

Sam M.

Augusta, GA

You might still be able to get savings towards your car insurance expenses, but admittedly, it might be a bit of a challenge. In your case, I presume that you already got your license back as hardly any auto insurance company would grant you coverage without a proper drivers license (or at least a temporary permit). The first thing you have to understand is that getting your license suspended would really leave a dent on your driving record for the next three years.

First thing you should do is to shop around. Look for an auto insurance company that can offer you the lowest rate, or speak to an experienced and skilled auto insurance agent there in Georgia to help you find a provider whose rates you’ll be comfortable with. Don’t be afraid to negotiate for rates even if you have a bad driving record since these providers would still want your business.

Avoid filing auto insurance claims as much as possible. Avoid getting into further accidents, not even the smallest of traffic violations, as this would make it harder for you to expedite getting a clean record. It will take approximately three years to clean up your driving history and you don’t want to prolong that unnecessarily.

Also consider taking defensive driving lessons, install additional safety and security measures on your vehicle and increase your deductible to qualify you discounts and lower the amount of premiums you pay.

Can I Get Auto Insurance With Suspended License?

Reader’s Question:

I recently got my drivers license suspended because of some traffic tickets here in Idaho that I forgot to pay, would it still be possible for me to get auto insurance coverage?

June D.

Pocatello, ID

There is no reason why you shouldn’t be able to get coverage from auto insurance companies there in Idaho, as long as you got your drivers license reinstated, otherwise it would be very difficult to get anyone to insure you until you get your license back. It would be worth noting that there are providers out there who will agree to give you auto insurance coverage, even without a license yet, but most of those companies are rare and you would have to agree to very limited terms and conditions. So if you don’t have not gotten your license back yet, it would be very wise to start taking care of that first

Another thing that you should know about is how this would affect your auto insurance rate once you do apply for a new policy. Generally, a suspension of your license would mean a higher auto insurance rate with most providers, and your record will show this suspension for the next three years so it is very important to be careful in getting any further violations (even minor ones) as this can further escalate your insurance rates. You may choose to get defensive driving classes that should qualify you for discounts on your premiums. You could also consider driving an older or less expensive car and increase your deductible on your policy to save as much as you can on auto insurance costs.