How to find cheap auto insurance with a suspended driver's license.
Your driver’s license can be suspended for many different reasons and some of them have nothing to do with driving. It can be very expensive to get your license reinstated once it is suspended. There are several things we have found you can do to find affordable auto insurance rates when your license is suspended. It is important to note that not every auto insurance company will insure you when you have a suspended license. When you are receiving auto insurance quotes it is important to disclose up front if your driver's license is suspended. We have seen many situations where it is not disclosed by the customer up front and the policy is bound and the auto insurance company finds out after the fact about the suspension and then cancel the policy, which can be costly for the insured.
Here are some ways we have found for you to find cheap auto insurance with a suspended license:
- Set your billing up on auto pay
- Sign up for paperless billing
- Pay your policy in full for 6 months
- Keep your auto insurance continuous for 6 months so you can qualify for the prior insurance discount.
- Shop at your renewal time to make sure the company you are with is still the cheapest
- Get your license reinstated as soon as possible
- Take a defensive driving course
Here are some auto insurance companies we have found that offer cheap auto insurance for drivers with a suspended license:
- Save Money Car Insurance
- Safe Auto
- The General
How did my license get suspended?
There are numerous reasons why your driver's license may be suspended and some are not even related to driving. We have found several situations that are nonvehicular related that can get your license suspended:
- Failure to pay child support
- Underage possession of alcohol
- Conviction for a drug offense
- Writing bad checks
- Driving a boat while intoxicated
- Failure to pay what you owe the state
If you need to find out if your license is suspended you can contact your local Department of Public Safety and they can advise you on the matter.
As far as vehicle related situations that can cause your license to get suspended, here are a few situations that can cause your license to be suspended:
- Receiving a DUI or DWI
- Too many major violations
- Getting caught driving without insurance
- Committing a hit and run violation
How much does it cost to get my license reinstated?
The price to get to get your license reinstated differs depending on what state you live in but the amount varies from $25-$250. Depending on if you have a large number of tickets that are unpaid can raise this price dramatically. We found Massachusetts is the most expensive state to reinstate your license in. There are some special considerations that can affect the cost of reinstatement also and the most common example of this is a DUI related suspended license. Some states will charge additional fees for the DUI related suspension before they can lift it. Most of the time the fees to reinstate your license are cumulative so if you have suspensions for more multiple offenses your total payment will be the sum of all the fines added together.
Finding out how much you owe to reinstate your license
When your license is suspended either the state agency or the court will send you a notice to the driver informing them of the status on their license. The Order of Revocation or the Notice of Reinstatement Requirements explains the fees and actions you must take to start the process of reinstating your license. It is crucial to read these notices carefully and follow all the steps by their due dates or additional penalties could be added. It is important to remember this letter will be mailed to the address on your driver's license. Many people move around and forget to change the address on their license. We recommend every time you move to change the address on your license. We have seen people receive a ticket and it is mailed to the address on their license, they never get it and their license gets suspended.
What is the difference between a suspended license and a revoked license?
The main difference between a revoked license and a suspended license is if it revoked it can never be reinstated. So, this is obviously a more serious situation than the normal suspended license situation. In some instances when your license is revoked you can apply for a brand-new license. But you will be required to pay off all past due fines and fees and retake your written drivers test and they driving road skills test.
How do I get my license reinstated?
The first step to get your license reinstated is to fulfill the sentence the courts give you. While your sentence is being completed it is important to take a defensive driving course or other traffic classes and get an SR22 from your auto insurance company. An SR22 is a document your insurance company files for you to confirm you are carrying the state minimum liability limits.
Next, be sure and pay all your fess on time. These fee amounts vary by state. Many of the steps to get your license fully reinstated are state specific. But if you do your best to follow the law odds are your license will not be suspended.
When you are in the process of reinstating your license be sure to not drive while your license is suspended. If you are caught driving with a suspended license you could receive a Driving While Suspended ticket. This is among the highest violation insurance companies charge for from anywhere between 4 to 6 points on your driving record. This can increase your premiums 30%-40% which can be substantial depending on how much you are paying.
How much are suspended license insurance rates?
Auto insurance rates with a suspended license increases by about 30-40 percent due to it being approximately 4 pts on your driving record as far as auto insurance companies are concerned. Some auto insurance companies will not even offer you coverage if your license is suspended. Nonstandard auto insurance companies cater more to drivers with a license suspension. When you are receiving auto insurance quote with a suspended license be sure and disclose that at the beginning of your quote so it will be accurate. We have found that the average liability only auto insurance policy with a clear driving record and a suspended license for an adult would be about $90 monthly. There is no such thing as a suspended license insurance policy. You need to ask for a normal auto insurance policy just disclose that your license is suspended to receive the appropriate policy. A suspended license can affect your auto insurance for a three-year period.
If you are in doubt if your license is suspended most auto insurance companies can run an MVR which stand for Motor Vehicle Report to determine if it is suspended or not. This is a good thing to ask for to make sure your quote is accurate. This report also shows all tickets on your driving record. The more tickets the insurance company finds the higher your rates will be.
Concluding thoughts on suspended license insurance
If you find yourself having your license suspended for any reason you still can find yourself cheap auto insurance. It is important to shop your auto insurance with the right carrier. We have found nonstandard auto insurance companies to provide the cheapest auto insurance rates for drivers with a suspended license. Nonstandard auto insurance brokers work with a large number of companies to find you the best rates. Be sure to get as many quotes as possible to increase your chances of getting the lowest rates possible.