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Posted by on Jun 20, 2016 in Car Insurance | 0 comments

Guidelines For Finding Car Insurance With Bad Credit

So you have bad credit? But that does not have to stop you from getting car insurance. With a little investigation, you can still find companies that will offer an insurance policy even if you have poor credit rating. According to the website of Habush Habush & Rottier S.C. ®, there may be more options available to you than what you initially thought.
Having bad credit score is one of the primary reasons that you may not be able to get a low insurance rate. The good news is that there are plenty of ways you can work around having bad credit and still qualify for car insurance. Here we will give you some tips on how to get car insurance even with a bad credit.

1. Look for discounts
If you are in luck, there are insurance carriers that offer a wide range of discounts to bad credit drivers. Check if you are eligible for a discounted car insurance package. If you have maintained a good driving record despite your bad credit, you might be able to avail of a discount for lower premiums.

2. Choose a higher deductible
Another way you can avail of car insurance even with a bad credit is to increase your deductible. The only downside is that you must be willing to shell out money from your pocket in case of an accident.

3. Get only what you need
Some insurance companies offer coverage that you might not need. Liability coverage is required in most states so you cannot do away with it. You may drop collision or comprehensive coverage from your policy.
Car insurance is a necessity in the United States and not having one is against the law. Don’t let your bad credit stop you from availing of car insurance. All it takes is a little bit of creativity on your part.

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Posted by on Feb 5, 2016 in Car Insurance | 0 comments

Carrying Car Liability Insurance or the Financial Responsibility Law: A Mandate in 48 States

If ever a driver gets caught without car liability insurance, except in the states of New Hampshire and Virginia, one of the punishments he or she may face is suspension of his or her driving privileges and, in order to have these privileges reinstated, he or she will have to carry an SR-22 filing which is required by a court. An SR-22 is a certification that a driver’s car insurance provider would send his or her state’s Department of Motor Vehicles (DMV) to prove that he or she is already insured; it is required of drivers cited for driving without insurance or those whose license has been revoked or suspended.

In 48 US states, carrying car liability insurance, otherwise known as the financial responsibility law, is a mandate. Financial responsibility, when talking about car insurance, refers to money a driver is obligated to pay a person whose property has been damaged or who has been injured in an accident wherein said driver is at fault.

Proving financial responsibility can be done through carrying car insurance or through any means that is approved by the state, such as: filing a government bond; keeping cash deposit; or, posting a surety bond. The need to prove financial responsibility becomes necessary if a traffic enforcer stops you and asks for your car insurance, when you register your car or renew your driver’s license, or if you get involved in a traffic accident.

Despite being a mandate, however, many drivers, according to the Insurance Research Council, continue to drive without carrying auto liability coverage. This is because many drivers say that insurance coverage is simply expensive. Well, this is a sad truth, especially since many car insurance providers find all means possible to increase premium payments by looking at a driver’s age, driving experience, driving history, and the type of car that he or she drives.

According to Milwaukee, WI car accident lawyers, however, proving financial responsibility is a mandate, thus, violating it can only result to punishments and regret. The best recourse for drivers, therefore, is to get an insurance quote online for the best, yet totally affordable car coverage.

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