First of all, the kind of car you drive will influence your insurance costs. A high-performance sports car will be more expensive. Other factors that will affect cost include your age, marital status, where you live and how you use your car (business or pleasure).Cars insurance that have safety features such as antitheft devices, air bags and anti-lock brakes may have a lower cost. A higher deductible can reduce your premiums.A driver with a safe driving record and no accidents will have a lower cost.
What are some of the coverages available in an auto insurance policy?
Bodily injury liability: In case you cause an accident in which someone else is hurt or killed.
Property damage liability: If you damage someone else's property.
Collision: When your car is damaged as a result of colliding with another car or object.
Comprehensive: If your car is stolen or damaged in ways that don't involve a collision.
Medical payments: Pays the doctor bills, hospital bills or funeral expenses for injuries that occur to you or members of your family that live with you, no matter who caused the accident.
Uninsured motorist: Pays for your injuries when you're hit by a driver who has no insurance.
Continuous insurance coverage must be maintained on all vehicles. If it is not maintained, the vehicle owner could be fined and also could:
Lose his or her license plates and vehicle registration privileges
Have to pay uninsured motorist penalty fees for each lapse of insurance in the amount of $150 for the first 30 days, and $7 per day thereafter.
Have to pay a restoration fee of up to $25 for the vehicle registration privilege
Be kept from registering any future vehicles until the insurance violation is cleared
Be kept from renewing the suspended registration until the insurance violation is cleared
Have his or her license plates taken by an authorized tag recovery agent, as soon as registration suspension is in effect
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