Auto Insurance

First in Protecting, Your Point A to Point B.

Drivers in every state are required to have auto liability insurance, such as personal injury protection (PIP).
Car insurance liability requirements vary by state, and include a minimum amount for bodily injury costs per person and per accident as well as a minimum for property damage liability. If you cause an accident, liability coverage pays those costs, up to the limits set for your policy.
In addition to required liability coverage, you may also want collision coverage to protect your investment in your vehicle. And depending upon your specific needs and risks, you may also want comprehensive coverage – now known as “other than collision.” Together, collision and comprehensive can provide protection for everything from accidents to theft and vandalism.

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Auto liability insurance provides coverage for costs you are legally required to pay if you cause an accident, injury or property damage. If you are uninsured or underinsured, the costs associated with an injured party’s liability claim will come out of your pocket. To ensure that liable parties have the legal means to pay, every state in the U.S. has a minimum liability insurance requirement for drivers.

Whether the driver harms a passenger, a driver, a pedestrian, or a person’s property – and whether it is due to running a light, driving aggressively, or falling asleep behind the wheel – that driver may be found responsible for that accident. Talk with an independent agent in the Trusted Choice® network today, or get a free quote, and get the coverage you need.

Who Is Responsible for Accidents?

  • By some estimates, distracted drivers cause 80% of accidents
  • 18% of drivers say they regularly send or receive text messages while driving
  • 36% of adult drivers report that they have read maps while driving
  • 41% of drivers have set or changed a GPS system while driving, and 21% do so frequently

What Is Liability Insurance?

Liability is defined simply as legal responsibility for one’s acts or omissions. Liability insurance can cover people for things they neglect to do in addition to mistakes they make. With regard to car insurance, liability is nearly always associated with a driver’s actions. If you cause an accident, whether by driving aggressively, running a red light or not paying attention, you are responsible – or liable – for that accident.

What Does Vehicle Liability Insurance Cover?

If you cause an accident or cause injury to another person or their property with your vehicle, your liability insurance will help to cover your legal obligation, up to the limits of your policy.

There are two types of legal obligation:

  • Bodily injury liability: If you cause an accident that harms another person, your liability coverage would pay for “pain and suffering” claims, medical expenses including hospitalization and surgery and even lost wages for the injured parties, up to your policy limits. Bodily injury liability typically has two limits: one for each person injured, and one for the total injury costs of the accident.
  • Property damage liability: If you cause an accident that damages or destroys another person’s car or truck, your liability insurance would pay for the repairs to the other driver’s vehicle, up to your property damage limit. Likewise, if you run into a building or drive into a hedge, your property damage liability coverage will cover the costs of replacing or repairing the damaged items.

Liability insurance also helps to cover the costs of lawsuits arising from an accident. For example, if an injured driver or passenger files a lawsuit against you, your liability insurance would help to pay for your legal defense. Note that you will likely need legal defense in court whether or not you are found at fault for the damages.

Costs of Liability Insurance

The cost of your car insurance liability coverage will depend on a number of factors, including:

  • Your state. Each state has a different requirement for minimum liability insurance.
  • Your home and work. Where you live, drive and work makes a difference. A five-mile commute means that you probably will not risk as many accidents as someone with a longer drive. Living or working in a high-crime neighborhood can make you statistically more likely to be the victim of theft or vandalism.
  • Your driver profile. Your age and driving history are also taken into consideration with liability insurance. Statistically speaking, younger drivers are more likely to be in a serious accident. Motorists with a history of collisions and traffic violations are typically viewed by insurance companies as more likely to be in another wreck.

Liability Car Insurance Premium Limits

Your auto liability insurance coverage will typically have three limits: bodily injury for each person, bodily injury for all persons involved, and property damage. Your insurance company will pay up to that established limit. If costs exceed your limit, you will have to pay out of pocket.

If you have a 30/60/15 policy, this means your insurance company will pay up to $30,000 for one person’s bodily injury costs, up to $60,000 for all bodily injuries in the accident, and up to $15,000 for property damage.

Note that some insurance companies issue “single limit” liability policies, instead of split limit policies. A single limit policy would cover the costs of injuries and property damages together, up to the total limit. For example, a 300 policy would cover $300,000 of bodily injury and property damage liability combined after an accident.

Car Insurance Liability Example

If you cause a crash in which people are injured and the other vehicle is damaged or totaled, here is how your insurance would pay the costs if you have a 30/60/15 split limit policy:

  • Your liability insurance would pay up to $30,000 for any one injured person, including hospitalization, treatment and lost wages
  • It would pay up to $60,000 for all injury costs if multiple people have been injured
  • It would pay up to $15,000 for all property damage you cause

If the total costs of the accident amount to $100,000 for all injuries and lost wages, and $20,000 in property damage, the out-of-pocket costs you would be responsible to pay would be:

  • $40,000 in bodily injury costs
  • $5,000 in property damage costs
  • Totaling $45,000 out of pocket

Unfortunately, many people purchase only the minimum liability coverage required by their state, leaving them exposed to enormous expenses if they cause an accident. Be sure to talk with your agent about the appropriate amount of liability coverage for your financial protection.

You may also want to consider an “umbrella policy.” which can provide excess liability coverage that can protect you if your legal responsibility in an accident far exceeds your auto liability coverage limits.

50 Ways to Get More Affordable Car Insurance

Finding affordable car insurance is not as challenging as you may think. For example, good drivers are often eligible for discounts on their premiums just for maintaining a great driving record. There are many other ways to cut the cost of auto insurance as well.

We’ve assembled a list of 50 ways to get better car insurance discounts. Even if you are in a high risk category, such as teens or seniors, you can find ways to save on car insurance.

How to Save on Auto Insurance When You Buy a Car

Saving on your car insurance costs starts at the research phase, when you are looking for your next car. And it continues when you are at the dealership kicking tires and choosing the vehicle you want to drive home. You may want to have your insurance agent on speed dial when you’re walking through the show room floor.

1.    Compare insurance costs when you are researching cars to buy. For example, check out the difference between the costs of insurance on a brand new car, vs. one that has been used for test drives.

2.    Choose a low-profile car. Certain cars are much less likely to be stolen than others. These low-profile cars can result in more affordable car insurance.

3.    Choose a hybrid. Hybrid cars can yield discounts in a variety of ways, including lower cost insurance from some insurers who believe hybrid drivers to be safer as a group.

4.    Drive a car that is considered lower risk. When you think about it, it makes sense that drivers of car models with lots of horsepower are more likely to have accidents than people who drive a Buick Rendezvous or Ford Fusion. Your insurance company will reward you for making the safer choice.

5.    Choose a car that has fewer claims. The top ten vehicles on this list are:

  • Buick Rendezvous
  • Pontiac Solstice
  • Buick Terraza
  • Honda Odyssey
  • Mazda MX-5 Miata
  • Subaru Outback
  • Ford Five Hundred
  • Volvo V70
  • Chrysler Town & Country
  • Chevrolet Corvette Convertible

6.    Choose a car that is cheap to repair. Not only will this save on your overall auto costs, but it may be reflected in your insurance premium as well.

7.    Buy a car with built-in motorized seatbelts. Passive restraint mechanisms that the driver and passengers do not need to actively engage are a discount incentive to many insurers.

8.    Choose a car with dual airbags. Again, mechanisms that promote driver and passenger safety automatically can result in lower insurance costs.

9.    Consider a car with anti-lock brakes. Some states encourage drivers to buy vehicles with an anti-lock brake system (ABS), which can prevent dangerous skidding in slippery conditions. Check with your insurance company to find out if this is a factor in your state.

10.  Purchase a vehicle with a built-in anti-theft device. If your car does not come with one, buy an after-market theft deterrent and have it installed. These devices immediately reduce the risk of your car being stolen which can lower your premium.

11.  Buy a car with daytime running lights. Driving with your lights on makes you more visible and statistically less likely to be in a wreck. Automatic daytime running lights mean you don’t have to take action to turn your lights on, which is an incentive to auto insurance companies.

Auto Insurance Savings When Buying or Updating Your Policy

The next set of ways to get discount auto insurance has to do with the types and amounts of insurance you buy. Note that when you are looking for discount car insurance quotes, it is important to make sure you are getting adequate coverage, and you’re working with a high quality company. Getting cheap car insurance won’t be a great deal if you are not covered for the costs of a bad accident or a liability suit.

12.  Get multiple quotes. It is important to get more than one quote because costs can vary significantly from one insurer to another. Just make sure you are comparing the same limits and deductibles.

13.  Get even more quotes if you are in a high risk group. For people considered high risk, such as teens, the range of insurance costs is much greater.

14.  Switch insurance companies. If you’re not happy with your service and costs, switch to an agent who will provide excellent service and shop for the best quote for you. You may also get a new customer discount.

15.  Ask for a long-time customer discount. If you are happy with your service and pricing, and you are staying with your insurer, you may qualify for a customer loyalty discount, or a renewal discount each year you renew.

16.  Bundle your policies. Getting discounts for bundling multiple policies is one of the easiest ways to reduce your auto insurance costs. You can combine home and auto, multiple auto policies, and often other policies as well, such as your boat and RV.

17.  Pay annually instead of monthly. The premium you pay will be less if you pay in one lump sum annually vs. in installments.

18.  Only buy what you need. Take a good look at the coverage you are buying. If you have plenty of injury coverage through your employee health program and disability insurance, you can probably keep your personal injury protection (PIP) coverage to a minimum.

19.  Only report the big stuff. If you have a small fender bender, seriously consider whether you want to report it or pay out of pocket, since there is always a risk of increased premiums after any incident or violation.

20.  Pay for services you need only once. For example, if you have an association membership that pays for towing and roadside assistance, you don’t need to buy this coverage from your insurance company.

21.  Assume more risk. Increasing your deductible is one of the quickest ways to get discount auto insurance. Just be aware that you should have the deductible amount socked away in the event that you do have a devastating accident.

22.  Reduce coverage on older cars. Covering a car for $20,000 worth of damage if it is only worth $5,000 just doesn’t make sense.

23.  Drop your collision coverage entirely on an older car. If the car is worth only $1,500, it’s probably not worth buying collision coverage.

24.  Review your insurance annually. Go over any changes in your life and family that can improve your premiums. For example, has a young family member gotten married and moved out?

25.  Ask if your insurance company offers accident forgiveness. This typically means the company will not increase your premiums if you have just one accident and an overall good driving record.

26.  Make sure your insurance company has accurate facts. Your auto insurance company will base your rates on factors such as your age and your driving record. You may be eligible for a lower rate if you’ve recently made a change, such as working from home and driving fewer miles each week.

How to Get Car Insurance Discounts

Looking for a discount car insurance quote? Make sure you ask for discounts you may be eligible for in the handy list below.

27.  Ask your insurer about discounts based on memberships. Some insurance companies may offer discounts for Mensa members, members of alumni organizations, or auto club members, for example.

28.  Ask about discounts for associations. For example, if you belong to a professional association, such as a trade association or union, you may be eligible for partnership discounts.

29.  See if you qualify for a good driver discount. The length of time you must have a driving record that is free of any violations to receive a discount depends upon the insurance company, and typically ranges from three to five years.

30.  Inquire about a spouse discount. Especially if you are newly married and combining insurance, you can often add the “better half” to your policy at a better rate than you would pay separately.

31.  Ask for a good student discount. While young drivers pay more due to increased risk, those with excellent grades may qualify for discounts.

32.  Inquire about a discount for a student driver who lives far from home. If the young driver in your family moved to another state to attend college, and does not have a car at school, you may be able to insure that family member for less.

33.  Get a driver’s education discount. Taking a driver safety course to improve your defensive driving skills may help you get discount auto insurance. Note that you won’t qualify for a discount if the course is mandated by a court due to a violation.

34.  Ask about a senior discount. Mature drivers can typically obtain a discount on car insurance as of age 50 or 55, depending upon the company. Make sure you talk with your insurer and inquire, as it may not be an automatic discount.

35.  Inquire about senior driver safety courses. Mature drivers can often take senior safety courses, and obtain discounts on insurance for completing the course.

36.  Ask about military discounts. If you are in the Reserve, the National Guard or ROTC, or you are retired from service, ask your agent about discounts that may be available. You may also qualify for discounts when you are on active duty.

37.  Ask about government employee discounts. Current and retired federal employees may be eligible for reduced rates on their premiums.

38.  Inquire about teacher discounts. Some companies view teachers as lower risk drivers and others provide certified educator discounts as a financial incentive to sign with them.

Save on Auto Insurance with Lifestyle and Occupation Changes

There are many lifestyle and occupation changes you can consider making. Not all of them are practical for all people. However, if you do make lifestyle changes that may improve your insurance rates, make certain to share that information with your agent.

39.  Be a safe driver and maintain a good driving record. Traffic violations add points to your driving record, which are reflected in increased car insurance rates. The cost of insurance can vary by hundreds of dollars annually for two people of the same age and gender, based on driving records.

40.  Contest a speeding ticket if there is any reason you feel it was unfair. For example, if the speed limit sign is obscured by trees, or there is a very dramatic speed reduction in a short period of time, it might be worth taking this information to court. Be sure to take photos of anything that might help.

41.  Find out if your state lets you erase a traffic ticket. Some states allow you to erase a ticket, such as a speeding violation, from your record by going to traffic school.

42.  Drive less and let your insurance agent know. The fewer miles you drive annually, the more affordable your car insurance will be. If you begin working one day each week from home, that will reduce the number of miles you are driving annually.

43.  Park in a garage. Insurance companies often view this is a safety measure worth a discount. A vehicle parked inside a closed garage is less vulnerable to theft and storm damage.

44.  Get married and stay married. Insurance is all about the numbers. Some insurance companies add in marriage as a factor in their insurance calculations because married people are statistically more averse to risk.

45.  Move to a safer neighborhood. Cars in urban neighborhoods are statistically more likely to be the subject of car-jacking, accidents and vandalism than those in the suburbs.

46.  Live in an area that is known to have less expensive auto insurance. Rates are often higher in areas where there is more litigation due to car accidents, higher auto repair costs and higher medical costs.

47.  Choose a low-risk occupation. While changing your occupation may be an extreme way to get lower cost car insurance, it’s not a bad idea to think about your career plans when the opportunity arises. Engineers, for example, pay less for their auto insurance than many other types of professions because they are a statistically safer bunch.

48.  Don’t drive for a living. Again, the more you drive, the higher your risk of getting into an accident and the higher your car insurance costs. If you are a truck driver who is at a career cross roads, choosing the office job will help reduce your premiums.

49.  Maintain a good credit record. Many insurers use credit as a factor because, statistically, people who are responsible with money are more “risk averse.” This means they are less likely to gun it at the stop light, or swerve recklessly through traffic to get a few cars ahead on the freeway. Therefore, good credit can equal lower premiums.

50.  Install a driver monitoring device. For example, you can get an electronic device that measures the amount of miles you drive, or how aggressively you drive. If you are in a high risk category, in particular, proving to your insurance company that you are a safe, careful and responsible driver, can potentially help you lower your premium.

There are certain things you can’t change, including your age and gender. Experienced, middle-aged drivers pay less than teens. Women pay less than men. But maintaining your good driving record and adjusting as many variables in your favor as possible can make up the difference.

What Is Auto Insurance?

Insurance, by definition, is a contract between you and the insurance company. The contract stipulates that as long as you pay the premium, the insurance company agrees to pay for your covered losses if you experience an accident, theft or vandalism, or your car is damaged by certain causes. The amount you receive in compensation is based on several factors, including your deductible and the limit you choose for your policy.

What Does Auto Insurance Cover?

There are several categories of auto insurance, each of which covers a different aspect of your risk as a driver. Here is a brief overview of these types of coverage:

  • Liability: If you are deemed at fault in a car accident, liability coverage will pay for repairs, medical costs for injuries suffered by others in the vehicle, plus other expenses related to the accident such as legal fees. Your liability limits are set at the time you purchase your policy. There are two parts to liability coverage: Bodily injury liability and property damage liability. The limits are the maximum amount the policy will pay out; anything above that would come out of your pocket unless you have other insurance.
  • Collision: If you hit another vehicle or an object (like a guardrail), your collision coverage will pay for damages or repairs to your vehicle after you pay a deductible (up-front amount). In other words, if you have collision coverage with a $500 deductible and you suffer damage that costs $1,500, your collision coverage will pay $1000 after you pay the first $500.
  • Comprehensive: Comprehensive coverage, which is also known as “other than collision,” pays for losses to your vehicle if it suffers damage from something other than an accident. For example, if a tree falls on your car or you hit a deer while driving, some portion of that loss will be covered if you have comprehensive coverage. Like collision, comprehensive has a deductible attached to it.
  • Medical Expenses: This coverage pays for injuries that you, a family member or anyone else riding your vehicle may suffer in an auto accident, regardless of who is at fault. It also pays for injuries you or your family members may incur while riding in other vehicles.
  • Uninsured/Underinsured Motorist: This coverage pays for injuries and property damage you suffer in an accident when the driver at fault either is uninsured or does not have enough insurance to cover your injuries and damage. It will also cover you in the event that a hit-and-run driver flees the scene and you cannot file a claim against that driver’s insurance company.
  • Roadside Assistance: Many insurance companies offer this optional coverage. If you need a tow or service for a flat tire or dead battery, roadside assistance will provide that service for a nominal premium.
  • Rental Reimbursement: If your car is in the shop for several days and you need a vehicle, this coverage will provide that for you for a nominal premium.

How Does Car Insurance Work?

Car insurance helps you to recover from damage, injuries and expenses related to a collision or other incident. It is not designed for you to come out ahead financially, but it is designed to keep you from suffering major financial hardship due to an accident, whether it’s your fault or not.

Car insurance is about risk transfer. If you don’t have insurance, the financial risk is on you in the event of an accident. Buying auto insurance mitigates some of that risk. For the cost of your premium, the insurance company will take on much of that risk for you.

Why Is Auto Insurance Important?

When you get behind the wheel, you take a risk. You may attempt to be the best possible driver, but you also have to trust that everyone else on the road is driving well and paying attention, too. Auto insurance provides a safety net when drivers make mistakes.

In the event of an accident, you are at risk financially. If the accident is not your fault, and the other driver does not have adequate insurance, you have to pay for all damages to your own car plus pay for any medical bills if you are badly injured.

When you are at fault, you are typically liable for damages to the other person’s vehicle as well as the medical costs of injured victims. Additionally, you must cover the repairs to your own vehicle and the costs of legal fees if you are sued. All of your assets are at risk if you are uninsured or underinsured.

How Do I Get Car Insurance?

There are a number of ways to get car insurance. It is important to understand that there are well-established insurance companies that offer excellent car insurance coverage, and there are companies that were built solely to sell car insurance and make money. Some auto insurance companies gain customers through advertising and others through word-of-mouth and excellent service.

When you buy insurance through an independent agent, you can eliminate confusion and find the best policy for your budget and insurance needs. Independent insurance agents do not sell policies for one company; they shop from many different companies to find you the best rates and coverage for your situation. No matter where in the U.S. you are located, there is a local Trusted Choice member agent near you who can get the answers you need about auto insurance before you buy.

Is Auto Insurance Required?

Forty-seven states require vehicles to have some level of insurance coverage before they can be on the road. Failure to have insurance can mean a fine and/or jail time in these states, not to mention suspension or revocation of your driver’s license. In most of those states, the minimum required coverage is liability insurance to cover damage and injuries you may cause, though a handful of states require additional coverage, such as collision and comprehensive.

How Expensive Is Car Insurance?

Your vehicle just might be the most expensive possession you have other than your home. However, your auto insurance won’t necessarily be costly.

While rates vary from state to state and take into account a variety of factors, car insurance is usually fairly affordable. The factors that affect your costs include whether your car is new or used, the overall safety rating of the car, your driving record, your age and gender, and even your ZIP code, as certain areas tend to have a higher occurrence of accidents and claims than others.

The discounts you may qualify for include:

  • Good student discount: May apply if the young driver in your family has good grades
  • Good driver discount: May apply if you’ve been accident-free for a period of time
  • Multi-car discount: May apply if you insure more than one of your vehicles with the same company
  • Multi-policy discount: May apply when you insure both your home and car with the same company

Your local agent can also talk with you about these discounts and determine the ones that would benefit you and save you the most money on your policy.

Is Auto Insurance Tax Deductible?

If you are self-employed and use your personal vehicle for business, you can take a tax deduction for your car insurance. For example, an independent sales professional who travels for work can take the deduction. However, only the actual mileage used for business travel is deductible. In other words, if you drive a vehicle 15,000 miles for business and 15,000 for personal use (a total of 30,000 miles annually) your deduction will cover half of your overall use.

Can Auto Insurance Companies Drop You?

Auto insurance is a contract, and as with many contracts, it can be canceled or voided by either party. You can drop the contract by changing to another company; the following are circumstances in which an insurance company can drop you:

  • If you fail to pay your premiums
  • If you present fraudulent information on your application for coverage
  • If your license is suspended or revoked for any reason, such as too many accidents, or driving under the influence

Some states allow companies to drop coverage for other reasons; to learn about the laws in your state, contact a local independent agent in the Trusted Choice network in your area.

Can Auto Insurance Companies Deny Claims?

There are a few reasons that your claim can be denied, including:

  • Filing a fraudulent claim exaggerating or fabricating an accident or loss.
  • Filing a claim under coverage you don’t have.
  • Filing a claim for a loss that is not included in your policy – for example, if you suffer an accident while using your car as a business vehicle.
  • Making improvements to your vehicle, such as giving it a fancy paint job, without notifying your company. The company might deny the claim or compensate you based on the original value of the vehicle.
  • If you miss a premium payment, you may have your coverage suspended until you catch up your payments; if you file a claim while your insurance is suspended it will be denied.

Some states allow companies to deny claims for other reasons, so it is a good idea to understand the fine print in your policy.

Do Auto Insurance Companies Check Credit?

Credit scores and credit reports don’t always tell the full story about a person, but they do indicate your ability to pay your bills.

Car insurance companies do check credit as to determine your insurability. Your premium is a bill like any other, and a poor credit score can alert an insurer of financial trouble. If there is a chance that you may miss premium payments, an insurer may decide you are too risky to insure.

Do Auto Insurance Quotes Affect Credit?

Car insurance is not an application for credit, so while insurance companies check your credit to determine your responsibility and financial security, they are not extending credit.  A credit check for a car insurance quote is called a “soft pull” and it does not affect your credit rating.

Credit scores have become very important in recent years as lenders have tightened restrictions. Many families are focused on eliminating debt and getting caught up on payments so they can improve their credit scores and get better rates when getting a mortgage or a car loan. Every time you fill out an application for credit, your credit score can be affected because a good percentage of your score is based on how much total credit you have and the number of accounts you have.

Do Auto Insurance Companies Check Driving History?

An insurance company may check your driving record when you are looking for a new policy, renewing your existing policy or modifying the policy by adding a new driver or additional vehicle.

You may also wonder whether your driving record can prevent you from getting insurance. Your driving record check typically will not prevent you from getting coverage, but it does help the company determine the risk they will take when issuing a policy to you.

If you have a record that includes tickets, accidents or points on your license, these factors indicate to the insurance company that there is a higher risk of paying a claim. In order to compensate for that, the company may charge a higher premium than someone with a clean driving record.

Do Auto Insurance Companies Share Information?

When you make an insurance claim or begin the process to switch insurance companies, information about your claims history is placed into a national loss-underwriting database. That information can be accessed by all insurance companies that are considering insuring you.

However, insurance companies do not share your personal information directly with each other. The information included on the claims database is not shared, per se, but it is available for all companies to find. Keep in mind that since your driving record is on file with your state’s motor vehicle department, your information is public record – including tickets and accidents.

Does Auto Insurance Cover Rental Cars?

This is a common question. If you make sure you have your own vehicle covered, do you need to get the special coverage offered at the rental counter if you go on vacation and get a rental car?

You will have to double-check your particular policy, but most policies do provide the same coverage for a rental car that you have for your personal vehicle, unless the rental is being used for business purposes. It’s always a good idea to check your policy. If you are seeking a new policy, an independent agent in the Trusted Choice network can help you find one that does cover rentals.

Does Auto Insurance Cover Theft?

If your car is stolen, a number of things need to happen for you to be compensated for your loss. First, you will need to file a police report and wait while there is an attempt at recovery. If your car is not recovered, you can file a claim with your insurance company if you have comprehensive coverage.

Because of the risk insurance companies face with fraudulent claims, you will need to complete some paperwork to file your claim. But providing you have documentation for the stolen vehicle, your insurance will compensate you for the value of the vehicle up to the limit of your comprehensive coverage.

Can I Get Car Insurance with a Suspended License?

Most insurance companies will not issue or maintain insurance for someone who has a suspended or revoked driver’s license.  If you need to get from home to work while your license is suspended, you are not out of luck.

You can work with your local DMV to get a hardship license, or you can file an SR 22 form through your insurance agent who can file that with the DMV. If you are allowed behind the wheel due to a hardship license and/or an SR 22 form (which guarantees insurance coverage for a period of time), then you will be able to get car insurance.