A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 18, 2021

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Here's what you need to know...

  • You should not drive on a suspended driver’s license.
  • In order to drive you, need auto insurance.
  • You may be required to carry SR22 auto insurance coverage if your license has been revoked or suspended in the past, which can cost more.
  • If your license is suspended, you may not want to spend the money on an auto policy until it is reinstated.

Car insurance is mandatory in most states. The requirements and ins and outs can be confusing, especially to people who are under special circumstances, such as those that have a suspended driver’s license. For some, simply contacting an insurer can bring about some anxiety, which is why other options exist in order to find out what you need and how much you’ll pay. Using an online car insurance comparison tool can help driver’s learn more about auto insurance and get them the best quote possible on their car insurance premiums. Compare car insurance rates now by using our FREE tool above!

What are some auto insurance application requirements?

Each auto insurance company has their own sets of requirements when it comes to issuing a policy to someone. When applying for car insurance, drivers should be prepared to hand over copies of documents and supply several pieces of information. When applying for car insurance, drivers should be prepared to give or give consent for the insurance company to locate and view the following:

  • Contact information
  • Driving records
  • Credit score and history
  • Criminal history
  •  Employment details
  • Make, model, and year of car(s) that you want to be on the policy
  • How many miles are driven each year
  • What the car is mainly used for, such as school or work
  • If other people will need to be listed on the policy
  • If any of the drivers have completed a safe driving course
  • The age of the drivers who will be on the policy
  • The Vehicle Identification Numbers (VIN) of all cars to be on the policy
  • Safety features of the vehicles, such as airbags, restraints, and anti-theft systems
  • Payment information

Each company may require something different or may have a different way of obtaining their information. They are also subject to the laws of their home state when it comes to issuing insurance policies and the information that they gather. Working with your auto insurance provider will be a lot easier when you understand what they’ll need in addition to your driving record. If you’re still confused, it may be best to speak with an insurance agent directly.

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What are the types of auto insurance that are available?

In most states, there are legal requirements involved with auto insurance. The state can mandate what types of policies drivers have and what policy limits should be in place. Drivers should be informed about what the different types of insurance coverages there are and what their state requirements are.

There are many various factors that go into deciding what sort of coverage is going to be the minimum in any given area. Some things that are taken into consideration are the rates of reckless driving, how many high-risk drivers are in the area, as well as population size and number of overall vehicles that are on the road during peak traffic hours.

Here is a brief explanation of each type of coverage that can be included in an auto insurance policy:

  • Bodily Injury Liability
    This insurance coverage pays if you cause an accident and another person is hurt or killed. Drivers should assess what assets they would need to protect in this situation, but industry experts generally suggest carrying 100/300 insurance, which means $100,000 of coverage per person for bodily injury and $300,000 per occurrence.
  • Property Damage
    This type of coverage is for when drivers damage the property of someone else. In most cases, it is for the damages to their car, but it can also cover other things such as garage doors, trees, utility poles and other buildings. Some states will put limits on this coverage, generally to minimize the amount of compensation given.
  • Uninsured or Underinsured Motorist
    In the event that you are hit or in an accident with another driver who does not have car insurance in place or who does not have the appropriate amounts of coverage. Depending on the state requirements, some drivers will simply purchase additional collision and comprehensive coverage instead.
  • Collision Coverage
    Collision coverage provides payment for damages if your car runs into another car or object, such as a brick wall or a fire hydrant. It is generally not required by law, however, some banks require collision if you have an auto loan.
  • Comprehensive Coverage
    If something happens to your car that does not involve a collision, comprehensive coverage will pay. This includes situations like theft, fire, natural disasters, or hitting wildlife.
  • Medical Payments Coverage
    Commonly referred to as Med Pay or MPC, pays for any medical expenses incurred in an accident. Some states require the auto insurance company to hold payments for the first 30 days after a car accident for the purposes of paying for trauma medical care first.

Why would a driver’s license become suspended?

Your local Department of Motor Vehicles (DMV), Secretary of State (SOS), and Department of Revenue (DOR) can all suspend your driver’s license. Your driver’s license can be suspended for many different reasons, some are related to crimes or severe driving infractions and others aren’t. Some reasons include:

  • Having too many points on your driving record
  • Multiple speeding tickets or traffic violations
  • Receiving a DUI or DWI
  • Failure to appear in court or pay court fees
  • Failure to pay child support

If your license has been suspended, you may be required by your state to do one or all of the following:

  • Refrain from driving until the suspension is lifted
  • Take a defensive driving course or go to a traffic school
  • Get an SR22 form from your insurance company
  • Pay a fee to get your license reinstated when the time comes

If in the past your driving habits have been more on the reckless side, you may want to consider taking a course or looking into ways that you could reform them. With a dangerous driving history, chances are you’re going to pay more in coverage premiums than someone who has never had any driving violations.

What if my driver’s license is suspended, should I still be covered?

With a license suspension, you do end up having options. The first thing to consider with this question is that if you are not driving, you may not want to waste the money on having your car insured, especially if it will be for some period of time. In most cases, doing so will be paying for something you cannot utilize unless you are on a title and need to have another driver insured to drive the vehicle.

You should always be honest when applying for auto insurance – your license suspension will come to light eventually.

With that said, the answer to this question will vary from one company to the next. Some may have policies against ensuring a driver who has a suspended license and others will not ask or care. But you want to be as careful as possible to avoid getting into further trouble; if you’re facing an indefinite suspension, you may want to look at what your choices are. At the very least, if you feel as though you don’t want to pay while you’re unable to use your license, you can look into public transportation or other means of getting around.

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What is an SR22?

If your driver’s license has previously been revoked or suspended, in most states, you will need an SR22. The SR22 is not a policy itself, but rather a certificate that your insurance company files with your state that says you have auto insurance in at least the minimum legally required amounts. If you cancel or policy, don’t pay it, or otherwise allow it to lapse, the car insurance company will notify the state immediately.

Having a suspended driver’s license can be confusing and frustrating. Drivers with a suspended license should check with their provider to see if they will be able to obtain coverage. The answer will vary depending on what company you work with. You don’t want to end up driving with a suspension, because you’ll be asked for proof of coverage, and if you’re not able to provide this, you may get into trouble. If there’s a gap in coverage, you could end up being fined depending on where you live.

To find the cheapest quotes on auto insurance, use an online comparison tool. Start comparing car insurance rates now by entering your zip code in our FREE tool below!