What Happens If I Get Caught Driving With No Auto Insurance In Tulsa, Oklahoma?
Oklahoma, along with almost all 50 of these United States, mandates minimum liability insurance in order to drive a car. The current minimum requirement is 25/50/25 or simply $25,000 of personal injury ($50,000 per accident) and $25,000 property damage per accident. You aren’t required to have auto insurance that covers your own costs, although most lenders will require that additional coverage if you didn’t cash for your car. Liability auto insurance in Tulsa is actually affordable and is a much better option than paying for tickets for no insurance. Driving with no insurance can also result in your license being suspended. So if you want the best auto insurance rates possible it's best to keep you policy active at all times.
How Does The State Know You Don’t Have Auto Insurance?
The state of Oklahoma has two ways to detect uninsured motorists. One is through traffic stops and accidents and the other is through a verification system that utilizes electronic tag checks. If you get caught without auto insurance in Tulsa as part of a routine check you’ll have 10 days to comply before you are fined. If you are discovered to have no insurance as the result of a ticket or accident, however, the penalties are much steeper and could include jail time or loss of license.
For example, if you get a ticket for running a red light and can’t provide proof of insurance, you can be fined $250 or serve jail time up to 30 days. Your license will also be suspended for a year which will require additional fees to get reinstated and can cause difficulties in getting a new insurance policy. An accident while uninsured will carry not only legal risks but financial as well because all the repayments will have to come from your own pocket. It will for sure increase your insurance costs because high-risk plans are harder to come by.
The effects of driving without insurance can hit you hard financially and become a problem that throws obstacles at you for years to come. The best course of action, of course, is to make sure you obtain the proper auto insurance from the start and keep the policy active by making your payments.
How To Get Cheap Auto Insurance In Tulsa To Remain In Legal Compliance
If you need help finding a plan that meets the requirements without putting an undue financial burden on you, contact an auto insurance broker to help you find the cheapest auto insurance rates in Tulsa. The auto insurance broker works on your behalf at no additional cost to you so it’s great to have a professional on your side helping you to make this sometimes difficult decision.
To make sure you get the coverage you need at the lowest cost you can consider a few options for lowering your premiums, such as applying for discounts, driving a less expensive car, opting for a higher deductible, or making payments upfront. While shopping for affordable auto insurance be sure and ask for all discounts possible. All of these things can result in lower monthly or yearly premiums for your insurance costs. Check to see if you qualify for safe driver discounts or professional discounts due to your job. Eliminate unnecessary drivers or cars from your plan in times of hardship.