Motorcycle learners permit?

whats the process of getting one, do i need to register a bike first, or can i just go to the dmv, take the test and get my learners permit?

Everyone knows that if you wish to drive a car you have to carry auto insurance. When a person first gets their driver’s license from the DMV one of the requirements is showing proof of a valid auto insurance policy that is at least a liability only policy. This is referred to as “Showing Proof of Financial Responsibility.”

Auto insurance is not cheap, especially for someone under the age of 25 or anyone who is going through a financially difficult time in their lives. Many people make the decision to drop their auto insurance policy and take a chance that they will not have an accident. The thought process is typically something like “I’m a good driver; I’ve been driving for X years and never had an accident. I’ll be ok.”

Well that may be true, they might be the best driver on the road, but what about all the other vehicles on the road and all those distractions drivers face today, including talking and texting on cell phones while driving? In reality it could end up costing you more than you think if you are caught driving without insurance.

What is the Penalty for Driving without Insurance?

If an officer stops you and asks for your driver’s license, registration and proof of insurance and you are unable to provide the officer with proof of insurance, depending on what state you live in, the officer may seize your vehicle plates or tags and quite possibly impound your vehicle.

If your vehicle gets impound, you are going to have to pay all the fees associated to the impound to get your vehicle out of impound, which could run several hundred dollars or more depending on how long your vehicle sat in impound before you went to get it.

You may have to acquire new plates or tags for your vehicle, which is another cost. You are also going to have to pay the DMV between $150 and up to $1,000 depending on what state you live in to get your driver’s license reinstated.

The biggest ongoing expense is going to be the required SR22 filing that the DMV is going to impose on you in order to reinstate your driver’s license. An SR22 filing is basically an agreement between the DMV and your insurance provider that says that if for any reason there is a lapse in your insurance coverage that your insurance company is obligated to inform the DMV of this lapse.

An SR22 filing or as it’s commonly referred to SR22 insurance is going to impact your insurance rates for an extend period of time. Because depending on what state you live in your DMV may require a longer SR22 filing period due to your lapse in insurance coverage.

How much does SR22 insurance cost?

You can expect to pay between 2 and 3 times as much for an SR22 insurance policy in this scenario compared to what you would have been paying before for your auto insurance. So if you are under the age of 25 and you were paying say $100 a month for insurance coverage on your vehicle, you can expect your insurance rates to increase to $200 to $300 a month, or more. So as you can see the risk of getting caught driving without insurance can far outweigh the cost of just keeping your auto insurance policy enforce.

If you find yourself in this situation one of the best things you can do for yourself to try and save some money on your insurance is to go out and get multiple SR22 insurance quotes from various providers in your area. If you do not own a vehicle but still need to drive you might want to look into getting a non-owner SR22 insurance policy to save some additional money.

Article Source:

http://EzineArticles.com/?expert=Gerald_Benson

As you travel from state to state within the US, the laws pertaining to auto insurance may vary. But when it comes to Arizona auto insurance law the rules are pretty straightforward.

The most frequently asked-about Arizona laws are:

Financial Responsibility

As in all other states, in order to be legally insured to drive in Arizona you must carry the minimum in auto liability insurance. This assures that you are financially responsible in the event of an accident and is often referred to as “financial responsibility”. The minimum in Arizona is 30/15/10 which means $30,000 minimum coverage for all persons injured, $15,000 max for one individual injured, a minimum of $10,000 coverage for property damage.

Although these are the minimums, many insurance experts agree that you should carry more due to the fact that the amount of money needed to cover damages in a claim are very often more than the minimum amounts the state requires. In this case, Arizona auto insurance law falls short of the minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs recommended. Way short.

Arizona insurance law also requires that you keep proof of insurance in your vehicle at all times. That way in the event of an accident you will able to present proof that you’re financially responsible. The card issued by your insurance company is all you’ll need to keep in the car. If you’re caught without auto liability insurance you’re subject to a $250 fine.

Fault vs No Fault

Arizona law states that in the event of an accident, if you are found not at fault you’re entitled to sue the at-fault party for pain, suffering, and other costs arising out of the accident.

DUI and SR22 laws

If you’re caught driving drunk with a blood alcohol over 0.08 you will have your license suspended or revoked. In order to get it back, you must have your insurance company file an SR22 form with your local DMV. SR22 insurance is more costly because you are now considered a high risk driver. Not all insurers deal with them, so make sure your insurance company will do this for you (if they don’t, they will cancel your policy). You may also need to take a driver’s education course.

Arizona insurance law prohibits DUI plea bargaining, a process that can reduce or drop charges related to a DUI.

Seat Belt Laws

A police officer in Arizona can fine you $10 for not wearing a seat belt, but he or she can’t pull you over for that alone. There must be another infraction, and the seatbelt infraction is secondary.

Age Restrictions

For young drivers age 15 to 18, full driving privileges are granted over time in a process called graduated licensing. A learner’s permit is carried for the first 6 months. Unlike many other states, Arizona insurance law places no restriction on night driving for teens.

Older drivers have an age limit of 70 on automatic renewals.

If you think you may be paying too much for you auto insurance there are many sites where you can compare Arizona auto insurance rates. Many companies can save you as much as $1000 a year in premiums due to the competitive rates they can offer online. And when looking for additional bodily injury and property damage liability insurance from competing companies, it may not be as costly as you think.

Emma Frost writes about auto insurance and many other car related topics. To learn more about auto insurance in Arizona and how to save on rates, visit Arizona Auto Insurance Rates.

Article Source:

http://EzineArticles.com/?expert=Emma_Frost

How can I lower premium for a high risk auto insurance in Arizona?

Bob

Phoenix AZ

Insurance companies have different criteria for placing a motorist on high risk. This could include driving long distances at high speeds in a period of one month, or getting frequently involved in at fault accidents in a short period of time. To be able to lower your premium for a high risk auto insurance in Arizona what you can do is know what made you become a high risk driver. If it’s about your driving fast on a fast car, then consider lowering your speed to a more acceptable level or changing your car to slower one.

If you have had too many traffic violations, try attending a seminar on traffic rules so that your memory will be refreshed and those faulty knowledge will be corrected. Try also looking at your record at the Department of Motor Vehicles to know why you require a high risk auto insurance in Arizona. You might be surprised at the number of violations you have in your record. If you see a pending violation in your record, make sure to pay the fine and call the DMV afterwards to clear the history.

You can also get important tips from auto experts and even insurers on how to get out of the high-risk category. When you have improved your record, it’s highly likely that your high risk auto insurance in Arizona will not be necessary.