It’s actually more expensive to drive without Irving car insurance.

Your Irving car insurance may actually be cheaper than the financial aftermath of not having it.

No one likes paying for something that they are being forced to purchase, and for most people Irving car insurance is the first thing that comes to mind when you bring up a topic like this. Many drivers see this as an inconvenience and as a part of their outgoing budget that is wasted money for what they are getting in return.

But, did you know that in most cases it is cheaper to get Irving car insurance than to be caught without it?

Initial Irving Car Insurance Cost vs. the Ticket Aftermath

Per insure.com, the average cost of car insurance for a driver in Texas is $1,620 a year. This works out to be about $135 a month.

Now, if you are caught without Irving car insurance you can expect to pay a $382 fine from the City of Irving.  This fine is higher than getting caught speeding, driving without a driver’s license, running a red light, failure to wear your seatbelt, and most of the other traffic violation fines that the city can penalize you with.

For the State of Texas, the fines are even worse. You can expect the following if you have no car insurance:

1. First offense: fine of $175 to $350
2. Additional offenses: fine of $350 to $1,000, suspension of your driver’s license, and impoundment of your car
3. Offense without a driver’s license: $2,000 maximum fine, 180 days in jail, or both
4. Offense if you cause an accident with serious injuries or death: $4,000 maximum fine, one year in jail, or both.

(Source: Texas Department of Insurance)

The bad news for drivers that drive without car insurance is that the above are just the fines; that doesn’t include the increase in car insurance premiums that you are now going to have for avoiding having Irving car insurance in the first place. And you can sure bet that your new car insurance premiums are going to be a lot higher than that $1,620 annual average that everyone else pays.

Irving Car Insurance Coverage

Just in case you weren’t sure what the minimum Irving car insurance is to keep yourself from being fined, here you go:

• $30,000 in bodily injury liability coverage for each injured person
• $60,000 in bodily injury liability coverage total for multiple injured persons
• $25,000 for property damage liability coverage per accident

Your Irving car insurance agent will make sure that you have at least the minimums to keep you out of trouble, so you don’t have to worry about getting insurance and not having enough.

Chesapeake car insurance is an oddity compared to other cities around the nation.

Are you going to choose the protection Chesapeake car insurance?

Actually, since the State of Virginia is who creates the insurance laws for every city in the state, it is actually the entire state and not just Chesapeake that stands out as different. Almost every other state in the nation requires that their drivers purchase some form of car insurance if they want to be able to drive.

It is usually a car insurance policy that is required by other states, but it can also be putting up enough cash in a special account that shows that they have enough money to cover any damages or injuries that they cause while driving. Virginia however, tells its drivers that they have the option of driving with or without car insurance.

Driving Without Chesapeake Car Insurance

If you want to drive without Chesapeake car insurance and hope for the best, you have to pay a $500 Uninsured Motor Vehicle fee to the DMV. This fee is only for the privilege of driving without insurance coverage, and in no way provides you with any coverage if you were to get in an accident.

If you cause a car accident, you are on your own as far as paying for the damages that you are responsible for.

Driving With Chesapeake Car Insurance

If you decide that you prefer the protection that Chesapeake car insurance provides, you have to carry at least:

• $25,000 in coverage for bodily injury liability coverage for a single person
• $50,000 in coverage for bodily injury liability coverage for two or more people
• $20,000 in coverage for property damage liability coverage

Chesapeake Car Insurance Penalties

If you don’t pay the $500 Uninsured Motor Vehicle fee to the DMV and you also don’t purchase the minimum required 25/50/25 car insurance coverage, you are breaking the law. If you get caught in this situation you will end up having your driver’s license and vehicle registration suspended.

You will also have to pay a $500 statutory fee and a reinstatement fee to get your driver’s license and vehicle registration back once you are in compliance with state law.

Finally, you will be required to have a SR-22 filed with the DMV for 3 years and you can thank your new higher car insurance rates for the next three years to this mandatory SR-22.

If it were me, I would make sure I was in compliance with Chesapeake car insurance laws rather than have to go through all of that.

Car insurance and mom are more like each other than you think.

Happy Mother’s Day!

No, this is not an article telling you to purchase mom car insurance for Mother’s Day. If you are at a loss as to what to get her today, there are three things that are always a safe fallback – flowers, jewelry, and taking her out to lunch.

If your mom doesn’t like any of those, well, good luck then. You shouldn’t have put more thought into this earlier than the day of the holiday.

For us however, we are going to talk about how your mom is like a car insurance policy.

Mandatory Car Insurance

In most states, there are a certain set of car insurance coverages that you have to purchase in order to be able to drive. For the most part, these required car insurance coverages are basically the same from state to state. The protection they provide you is the most basic form and is something that no good driver is without.

With moms it is the same; in general they all have the same anatomy and instincts that come with motherhood. There is very little difference from mom to mom when it comes to the human basics in this area. And every good mom is there to protect their child from harm.

Optional Car Insurance

With every car insurance policy available, the basic mandatory car insurance is just the base of the policy. There are many different options that you can add to your policy to make it uniquely yours.

Mom is the same, once you move past the fact that each mom has the same maternal base, you know that each mom is different. Each mom has different likes, desires, and beliefs; and from your childhood you know that each mom treats and raises their children differently. Her differences make your mom uniquely yours.

Car Insurance Penalties

When you didn’t follow mom’s rules, for most of us, an unpleasant time of punishment was the end result. You also knew that if you didn’t follow the rules in other places that mom wouldn’t come to your rescue when your dad, the school, or another authority figure punished you.

The same goes for insurance.  If you break your state’s law that requires that you have certain insurance coverages, you will face penalties from law enforcement. Also, if you break certain rules that the car insurance company has, they won’t protect you and pay for your car accident.

Even with all these similarities, moms are better at two important things than your car insurance policy is – they are better at forgiving and loving you.

Today we talk about 2 other important driving rules, in addition to Irvine car insurance laws.

Better have proof of your Irvine car insurance ready also.

The requirement that you have to have Irvine car insurance to drive should be as common knowledge as the fact that you have to put gas in the car to make it go.  California, who made Irvine car insurance a requirement, has been enforcing mandatory car insurance coverage in the state for a very long time now.

If you don’t know that car insurance is required, you are either a very new driver or one that has had their head in the sand. But just to recap, here are the minimum car insurance coverages that you are required to have if you want to drive in the state:

• $5,000 property damage liability coverage
• $15,000 bodily injury liability coverage for one person
• $30,000 bodily injury liability coverage for multiple injuries

In addition to these mandatory car insurance requirements, here are the details of two other laws in Irvine that drivers need to be careful to follow.

Irvine Driver’s License

Another California law, but enforced by the City of Irvine, is graduated driver’s licenses. Here’s the down low for you new drivers or parents of soon-to-be drivers.

First, it is no longer a two-step process, where you used to get your permit to learn to drive and then your driver’s license with no restrictions. Now it is a three-step process:

1. Permit – Given no younger than age 15.5, and while the new driver has it they are expected to obtain 50 hours of supervised driving practice to move to the next level.
2. Provisional License – This is the new step that was added between the permit and regular license. To get this license, drivers between 16 and 18 have to pass a behind-the-wheel driving test after they obtain the 50 hours of driving practice. Drivers with a provisional license may only drive between the hours of 5 a.m. and 11 a.m. and are only allowed to drive alone, with parents, or a licensed driver over the age of 25.
3. Full-privilege License – An unrestricted license that is granted after the requirements for the first two steps are completed and there are no legal restrictions on the driver’s driving record.

Irvine DUIs

You should already know by now that you shouldn’t drink and drive. If you do get a DUI, in addition to the regular penalties and fines you will face, you also need to know the following:

• You have to reimburse the City of Irvine the cost of the emergency responders that had to be dispatched because you were driving drunk.
• You have 30 days to pay for the emergency response bill. If you do not pay within the 30 days you will be charged late fees and fines. If you still have not paid after 90 days, your account is sent to a collection agency.
• Your Irvine car insurance company is not allowed to pay the City of Irvine this expense on your behalf.

Baton Rouge car insurance laws are just one of many drivers in the city have to follow.

Baton Rouge car insurance laws are just a small part of the laws that keep us safe on the road.

Any driver that wants to drive in Baton Rouge, Louisiana, better have a current Baton Rouge car insurance policy. You will be asked for it when you register your car, if you get in a car accident, and of you get pulled over for violating a traffic law.

The only way to get around the Baton Rouge car insurance law is to walk.

One Way to Get a Traffic Ticket

As a reminder from the City of Baton Rouge, here are the proper hand signals to use when your vehicle’s signals don’t work. If you will notice, the one hand signal that most people use to express their anger with another driver is not on this list; therefore it is not sanctioned by the city as a proper signal. You may also find yourself the proud owner of a traffic ticket if you choose to use this unapproved hand signal and then you will have to show proof of your Baton Rouge car insurance.

Sec. 11:105. Method of giving hand and arm signals. (City)

All signals herein required given by hand and arm shall be given from the left side of the vehicle in the following manner and such signals shall indicate as follows:

(1)Left turn: Hand and arm extended horizontally.

(2)Right turn: Hand and arm extended upward.

(3)Stop or decrease speed: Hand and arm extended downward. (City Code 1951, Title 11, § 105)

Don’t Want Car Insurance

If you choose to bypass the whole car insurance things and not drive, here are some pedestrian rules to remember:

Sec. 11:95. Pedestrians on roadways. (City)

(a)Where sidewalks are provided it shall be unlawful for any pedestrian to walk along and upon an adjacent roadway.

(b)Where sidewalks are not provided any pedestrian walking along and upon a highway shall, when practicable, walk only on the left side of the roadway or its shoulder facing traffic which may approach from the opposite direction.  (City Code 1951, Title 11, § 95)

Sec. 11:94. Pedestrians to use right half of crosswalks. (City)

Pedestrians shall move, whenever practicable, upon the right half of crosswalks. (City Code 1951, Title 11, § 94)

Two, Important Baton Rouge Laws

Sec. 11:351. Driver’s license required. (Parish)

It shall be unlawful and a violation of this chapter for any person to operate or drive a motor vehicle within the limits of the parish without having a driver’s license as required by the laws of the state.

The requirement to have Baton Rouge car insurance does not have a city ordinance code, because it is actually a state law. And this law states that if you want to drive that you have to carry at least bodily injury liability and property damage insurance coverage. Not only do you have to have those specific coverages on your Baton Rouge car insurance policy, but you also have to have them at limits of no less than 15/30/25.