Going Uninsured?
Don't Get Caught! Get Informed!

Keeping your coverage when times are tough

If you've considered dropping your insurance until the economy improves, you're not alone. Since most folks may be unaware of the full consequences of going without vehicle insurance, even for a day or two, we wanted to give you some information to make an informed decision.
We also want you to know we are here to help. From raising your deductible to lowering your coverage limits, there are alternatives to letting your insurance lapse – alternatives that fit your lifestyle and your budget!

When can saving money be expensive?

Aside from the obvious legal and financial risks of driving without insurance, if you have let your coverage lapse many insurers  will require you to pay an initial 25% to 50% surcharge* for a new policy. And you'll have to pay a higher premium, too. Insurance companies will charge you more because, statistically speaking, uninsured drivers are disproportionately involved in fatal accidents. You could find yourself paying up 25% more for your insurance.

But that's not all. Penalties for failing to maintain proper insurance by the state, letting it lapse could lead to the suspension of your vehicle registration and being required to return your license plate to the DMV until your coverage is reinstated. Your vehicle could even be impounded, and you may be subject to substantial fines and fees that can accrue every day your vehicle goes uninsured.

You can tighten your belt by tightening your coverages...

That's why it's critical to maintain at least the bare minimum of coverage, even when your budget is tight. And if you've already let your coverage lapse, it's important to reinstate it as soon as possible to avoid even greater penalties in the long run.

Let us help keep this from happening to you. We'll explore every possible way to lower your premium so that you can keep your insurance and avoid a lapse in coverage. There are many factors that can affect your rate, many "discounts" that you may not be taking advantage of, and many coverage options that our friendly experts can help sort out.

If you're thinking of going without coverage, or have already let your coverage lapse, please contact your local agent or call us at: