Questions And Answers

If you have a question about car insurance, we'd like to help you find the answer. Search through our database of already answered queries, and if you still haven't found what you're looking for, do not hesitate to ask us directly.

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What can you tell me about the new green stickers in California?

The green stickers are the successor to the yellow stickers that California discontinued in the middle of 2011. The green stickers, or decals, will allow the owner of a near zero-emission car to drive in the carpool lanes even if they don’t have passengers. However, don’t expect to see many ... [more]

Can I register my car in Arizona if I’ve applied for a title, but haven’t gotten it yet?

Usually you need to have a title with you if you wish to register your car. However, the Arizona MVD recognizes that sometimes that just isn’t feasible. If you are a resident of Arizona and don’t have your title, you can apply for a 90-day registration. This will allow you to drive until you ... [more]

Does Pennsylvania allow texting while driving?

Many states have chosen to ban texting while driving. An individual is 23 times more likely to be in an accident if they are texting than they otherwise would be. Pennsylvania has a law that bans all texting while driving, but it hasn’t gone into effect yet. The law will go into effect on March ... [more]

Does Ohio’s GDL program require proof of school attendance?

The Graduated Driver License (GDL) program is designed to gradually introduce the teen driver to the responsibility and privilege of driving. Many states have started linking the driving privilege of a teen with their school attendance. The purpose of this linkage is generally to ensure that the ... [more]

What are the proper safety restraints for children in New York?

New York requires that all children under the age of 8 be in a child safety restraint system when in a car. There are three main types available. • Infant seats – for infants that are 22 pounds or less and 25 inches or less. These must be located in the backseat and face the rear. • ... [more]

How do I transfer my out-of-state license to New Hampshire?

Once you’ve established residency in New Hampshire, you have 60 days to get your new driver’s license. You need to provide the following forms of ID • Valid out-of-state license • Proof of residency: o Town or city clerk approval of residency o Utility bill o Lease or rental ... [more]

How do I get a motorcycle license in Montana if I’m 16?

The good news is that at the age of 16 you can apply for a motorcycle license and you get to skip out on the driver’s education requirement that would be in place if you were 15. The bad news is that Montana doesn’t offer a standalone motorcycle license; it is only an endorsement to a regular ... [more]

How do I register my motorcycle in Minnesota?

You have ten days after you’ve purchased a motorcycle to register it in Minnesota. Before you register your bike, you’re going to need proof of insurance. If you’ve purchased your motorcycle from a dealer, they should handle the registration process. If you purchased it in a private sale, ... [more]

What documents do I need to get a driver’s license in Maryland?

Before you can get a driver’s license in Maryland, you must provide proof that you have a right to the license and that you are who you say you are. You must provide proof of age and identity, Social Security number, lawful status, and Maryland residency. The following are some acceptable ... [more]

What traffic violations will result in a license revocation in Kentucky?

A license revocation is a step up from a suspension. Rather than getting your license back by paying a fee after the suspension is over, you’ll have to retake all the tests associated with the license. Your driver’s license in Kentucky can be revoked for: • DUI • Manslaughter resulting ... [more]

Did Indiana ban the use of handheld cell phones while driving?

Very few states have banned handheld cell phones. While most states have gotten onboard with the idea of texting bans, it seems to be harder to convince legislators that a handheld ban is necessary. Indiana is one of the many states that do not ban handheld cell phone use while driving. However, ... [more]

Do I have to register my moped in Hawaii?

With the increase in gasoline prices, mopeds are becoming more popular. This is especially so in a smaller state, such as Hawaii. Hawaii defines a moped as having a two-stroke engine that propels the vehicle up to 30 mph. You do need to register mopeds in Hawaii, but there is a complication. You ... [more]

What is the penalty for a third DUI in Delaware?

Conviction of a third DUI in Delaware bumps you into the realm of a felony. Specifically, you’ll have committed a Class G felony. This will damage your job prospects and could affect other areas of your life. You’ll also face the following penalties: • Jail – 1 to 2 years • License ... [more]

What actions can result in a license suspension in California?

Your driver’s license is the representation of a privilege, not a right. Therefore, the DMV in California can take away your driver’s license if they feel you have committed an act that they deem unfit for a driver. Your license in California can be suspended for: • Being a negligent ... [more]

What are the point values for traffic violations in Alaska?

Alaska has chosen to abstract their traffic violations to a point system in order to keep better track of your driver’s license status. Accumulation of too many points can result in a license suspension. You can find a full list of traffic violations in the Alaska Driver Manual. The point values ... [more]

Does Georgia require vehicle inspections?

There are two types of inspections required for vehicles in Georgia. The first is a basic inspection if your vehicle isn’t eligible for a Georgia title, i.e. it was manufactured between 1963 and 1985. The other type is more common and is the emissions inspection. You only need an emissions ... [more]

How do I register my car in Connecticut?

If you are registering a new car, the dealer should have handled the process for you. If they didn’t, then you’ll need to visit the DMV in person to register your car. You will need to bring the following documents: • Manufacturer’s Certificate of Origin • Federal Odometer ... [more]

What is the penalty for a second DUI in Arkansas?

In Arkansas, your second DUI only counts as a second DUI if it was within 5 years of your last DUI. You’ll be facing the following penalties for a DUI in Arkansas: • Jail – 7 days to 1 year (30 days to 1 year if there was a passenger under the age of 16) • Fine- $400 to $3,000 • ... [more]

What is the earliest age I could get a driver’s license in Alabama?

This depends on what you mean by a driver’s license. Alabama has a Graduated Driver License (GDL) program, which breaks the licensure process into three parts. The final step, or full driver’s license, is not available to anyone before they are 17 years old. The second part, or restricted ... [more]

How do I get a handicapped placard in Wyoming?

You can apply for a handicapped placard either through the mail or in person. If you are applying in person, you need to provide proof of ID, which can be a driver’s license, ID card, or state-certified birth certificate. If you choose to mail it, you will send it to: WYDOT – Driver ... [more]

How do I title my car in Washington, D.C.?

There are two different ways to get a title in D.C. Either you can get your title in the registration process or you can get a title only. If you get a title only, you cannot drive your car, as it hasn’t been legally registered. To get a title-only, you must gather the following documents: • ... [more]

How do I get a motorcycle license in Vermont if I’m 16?

If you are 16 years old, you need to go through a longer process to get a motorcycle license than you would if you were older. The first step to getting your motorcycle license is to get the permit. In order to get that, you must first complete a 4-hour Vermont Motorcycle Awareness program. After ... [more]

When can children use regular seat belts in Tennessee?

These days’ children are required to wear child restraint devices for much of their life. Some states establish a certain age, weight, or height at which the child no longer needs the restraint. Tennessee doesn’t have a specific number like that. Instead, you can dispense with the child ... [more]

How do I register my motorcycle in Rhode Island?

The process of registering a motorcycle is very similar to registering a car. You must: • Complete an Application for Registration (TR-1) • Provide the following documents: o Insurance information o Sales Tax form o Title o VIN check o Bill of sale o Gross vehicle weight o Gift letter ... [more]

What traffic violations will result in a license revocation in Oklahoma?

If you’ve had your license revoked, you must retake all the tests and pay the fees in order to get your driver’s license back. You can have your driver’s license revoked in Oklahoma for the following reasons: • Manslaughter or negligent homicide resulting from the operation of a motor ... [more]

I don’t want to get auto insurance in Georgia, what’s the worst that could happen?

Georgia requires that its driver’s be continuously covered. If you do not acquire or fail to renew your insurance within 10 days of its expiration this constitutes a “lapse” in insurance. If your insurance lapses you must pay a $25 lapse fee. If you fail to pay this within 30 days, your ... [more]

Do motorcycle’s need insurance too?

Yes. Motorcycle insurance is different from auto insurance, but all the major insurance providers offer some form of motorcycle insurance. Generally, motorcycle liability insurance is cheaper than auto insurance. The reason for this is that your average automobile costs considerably more than ... [more]

What can you tell me about ATV insurance?

All Terrain Vehicle (ATV) insurance can be purchased from a variety of sources. Many of the big insurance companies carry ATV insurance, as do smaller specialized insurance companies. In addition, some homeowner’s policies cover ATVs as well. Homeowner’s policies, however, might have ... [more]

Do you have to get a permit before you get your license in Oregon if you’re over 18?

Yes. If the DMV didn’t issue you a permit, you could not practice driving. Even if you were able to schedule an appointment for the same day as you took your written test you’d still need the permit in order legally take the road test portion of the licensing ... [more]

My brother is giving me a car in Maryland; do I need to get it reinspected?

Yes. Maryland does not require inspections when a transfer is between spouses or part to child. It does require an inspection in all other ... [more]

Do I need to take a driver’s education course in Idaho if I’m 15 and want to get a license?

Yes. Idaho requires that you take a driver training course before being issued a license if you are under the age of 17. An approved Idaho driver-training program consists of a required 30 hours of classroom instruction, six hours of in-car observation in a driver-training car, and six hours of ... [more]

How much auto insurance coverage do I need in Oregon?

Oregon requires that each driver carry the following insurance: $25,000 per person for bodily injury $50,000 per crash for bodily injury to others $20,000 per crash for property damage In addition, Oregon requires that all motor vehicle liability policy include: $15,000 Personal ... [more]

What is the state mandated minimum car insurance in Arkansas?

The minimum insurance mandated by Arkansas is: $25,000 per person for bodily injury $50,000 per accident for bodily injury $25,000 property damage While these are the minimums, you can always carry more ... [more]

Can you tell me the basic car insurance requirements in Massachusetts?

Whatever coverage you choose to get in Massachusetts must meet the following minimums: $20,000 per person for bodily injury $40,000 per accident for bodily injury $5,000 property damage Basic coverage might not be all that you need so you should think about the value of your vehicle and ... [more]

What are the California car insurance minimum liability limits?

California’s insurance minimums are comparatively low. The required amounts are: $15,000 for a single death or injury $30,000 for death or injury to more than one person $5,000 for property ... [more]

My premiums in Connecticut seem high; if I get rid of insurance what’s the worst that could happen to me?

The Connecticut mandatory insurance reporting law requires insurance companies to report uninsured vehicles. If your vehicle is reported in this way then Connecticut will mail you a Warning Notice. This notice requires you to enter into a consent agreement, get insurance, and pay a $200 ... [more]

What happens if you don’t get car insurance in South Carolina?

You cannot register a vehicle if you don’t have insurance in South Carolina. If you already have insurance and choose not to renew then it will have the following consequences: Suspension of your driver’s license Suspension of your registration $400 reinstatement fee If you are ... [more]

Can Minnesota do anything to me if I drop my car insurance?

Failure to provide proof of insurance when ordered to do so can result in: License revocation Registration revocation A fine of $200 at a minimum Jail ... [more]

What is the penalty for not keeping your car insurance in Colorado?

Colorado takes a dim view of uninsured driving. A first offense results in: Minimum $500 fine Four points on your record Possible suspension A second violation equals: $1000 minimum fine Four-month suspension Finally, a third offense means: Minimum fine of ... [more]

What is accessory coverage for motorcycles?

Accessory coverage, sometimes called Custom Parts and Equipment (CPE), covers things added to your motorcycle after it is manufactured. These components include: Electronic equipment that is permanently affixed to the vehicle Sidecars Trikes Trailers pulled by a motorcycle Mower and ... [more]

What is automobilia coverage?

Automobilia is defined on Wikipedia as a “term which can be used to describe any historical artifact or collectible linked with motor cars and related areas, such as motor racing and motorsport personalities”. Automobilia coverage is a type of classic car insurance that covers this specific ... [more]

How do you get your driver’s permit in Portland, Oregon?

To get your permit in Oregon you need to meet the following requirements: Be a resident of Oregon Be between the age of 15 and 17 Not have your driving privileges withdrawn in any state Have no medical condition that makes you unable to drive safely If you meet all these qualifications ... [more]

Do you need to take driver’s education in Colorado?

If you are under the age of 21 when you apply for a license, you need to have driver’s ... [more]

My license was suspended so the cops took my plates; what can I do to get them back?

You will need to resolve the issue that caused your license suspension. If it suspended for a set time as a part of some penalty you are paying then you will have to wait for that time to elapse. Once your license is reinstated, you should be able to get your registration issues ... [more]

How long do I need to hold my temporary license in Ohio?

You must hold your temporary license in Ohio for a minimum of six ... [more]

Can I drop out of school in Texas and still get a license?

If you are under the age of 18, you must submit a Verification of Enrollment and Attendance (VOE) form when applying for a license in Texas. So unless you are dropping out to be home schooled, ... [more]

What is the youngest age I can apply for a learner’s permit in Pennsylvania?

You have to be at least 16 years ... [more]

What is the minimum age I can be in Texas and get a license without taking driver’s education?

You need to have driver’s education until the age of 25 in Texas. You can acquire this education through several means. Texas offers the ability to get a driver’s education through school, private driver’s education courses, and a parent taught ... [more]

How much do personalized plates cost in Nevada?

The initial cost for personalized automobile plates in Nevada is $36. They have a $20 annual fee. For a motorcycle the cost is $35.50 initially and $20 annually. Some specialty plates can be personalized, but the availability and cost vary by plate. You can see more at the Nevada DMV ... [more]