While some states offer financial aid programs to those who qualify for them, for many, the only way to find affordable car insurance is through following the steps outlined in the How to Get Affordable Car Insurance section. If you reside in any of the four states which assists with low-income auto insurance rates, read on for an overview of each state's policy.
California – In today's market, it is imperative that we be aware of what kinds of vehicles can be classified as “high risk” and what types of vehicles are considered “low risk.” If you have been convicted of driving under the influence or driving while intoxicated, then your chances of getting insurance from a reputable company are pretty slim.
In addition, if you have no previous driving record, you will be required to get full and comprehensive coverage on your vehicle. You may also be required to have uninsured/underinsured motorist coverage, depending on where you live. Most companies in California will require you to prove that you are an at-risk driver before they will cover your vehicle.
The other requirement for California drivers is to have a clean record, meaning that you are not a repeat offender and that you are not a repeat victim of theft. If you have an outstanding traffic ticket, you will be required to attend an education and/or traffic safety class, along with being subject to a random roadside screening.
Texas – In the state of Texas, it is mandatory to have liability insurance, which includes medical payments, property damage, and personal injury and property damage liability. You must also have a “passenger” endorsement on your vehicle in order to drive, and you must show proof of liability insurance, which can include bodily injury liability, personal property liability, and the personal injury portion of collision and comprehensive coverage.
It is important to remember that in Texas, if you are involved in an accident, your insurance coverage is automatically terminated. You must contact your insurance agent to determine if you will be covered by your state's policy and then notify your insurance provider of this change.
In addition to the requirements listed above, many car insurance companies have also established a no-fault clause in their policies. The no-fault clause means that your insurance policy will only pay if you are found at fault for the accident. Therefore, if you are a good driver, but you are found at fault in an accident because you are drunk or drowsy, you may not have your car insurance coverage cancelled if the other driver is covered.
New York – In New York, you must have a clean driving history, as well as the proper form of insurance coverage. If you are caught drunk or drowsy, then your insurance coverage will be canceled.
Therefore, the cost of your car insurance rates will be determined based on the type of coverage you already have, the driving records you have, and your driving history. If you are found at fault in an accident because you were intoxicated or driving while under the influence, then you will probably be required to pay more in terms of premiums than someone who does not have a driving record.
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