Why Maintaining Car Insurance Coverage Is Important

by Bianca Garrison - April 7, 2020

Hand with marker over a sheet of paper that says are you insured? with a yes or no option

Having auto liability insurance coverage is mandatory in almost every state. Not having your state’s minimum liability requirements can result in fines and even jail time in some instances. But there are other important reasons why you should maintain your car insurance coverage.

What is Car Insurance For?

Car insurance is a safety net. It provides financial protection if you cause an accident with your car, or if your vehicle is ever damaged or stolen. Your car insurance works by helping pay for bodily injury and property damage claims filed against you after an accident. If you don’t have car insurance, you will have to pay for the damages out of pocket.

The Most Important Car Insurance Coverage

The coverage that you absolutely need to have is your state’s minimum liability coverage. You need to maintain liability car insurance to drive legally. The importance of car insurance must be fully understood because lack of coverage comes with consequences that can cost a lot of money.

Penalties for Not Maintaining Car Insurance

The penalties can vary widely and are determined by how many infractions you have, the amount of damage you’ve caused, and whether or not you are driving uninsured or can’t prove your coverage at the time of your infraction. Some of the penalties for driving uninsured are:

Tickets
Fines up to $1,000
Suspension of driver’s license
Mandatory SR-22
Higher car insurance premiums

Keeping Your Car Insurance Active

Even if you rarely drive your car, or maybe now you are not driving it all, you still want to keep your car insurance policy active. Remember that it can also protect you if your car is ever vandalized or stolen.

Car Insurance Extras

Don’t forget that some car insurance policies come with extras such as roadside assistance. Companies provide a lot of optional coverages which can come in handy, including:

Full glass coverage (pays to repair or replace chipped or broken windows)
Rental reimbursement (pays for a rental car if yours is in the shop)
Coverage for personal items

You’ll need to buy collision and comprehensive coverage to be eligible to purchase most extras.

How To Get Affordable Car Insurance Coverage

Getting quality, affordable car insurance is simple with Bluefire Insurance. We can help you get the coverage you need. We work with the top car insurance carriers in the country and can get multiple quotes in just a few minutes. Call your local Bluefire agent today to get a free, customized car insurance quote.

SUBSCRIBE TO OUR NEWSLETTER