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How do you check if a car has valid insurance?

Here's what you need to know...
  • Call your insurance agent or insurance company
  • Check your state’s Department of Revenue Website or the DMV
  • Review your policy
  • Check your payment history
  • If you find that your policy is not valid, use a comparison tool to quickly find and purchase a new insurance policy

If you have a car and pay insurance premiums, you might occasionally wonder if your car insurance is valid. Paying your premiums on time is one way to make sure you have valid car insurance, but you should also make sure your insurance policy is valid for the state in which you live.

If you find out your car insurance is not valid or canceled due to nonpayment, you will need to find a new car insurance policy. Thankfully, a comparison tool can help you find and purchase a car insurance policy that you can afford. Compare car insurance rates now by using our FREE tool above!

Checking Your Car Insurance Policy

If you know your insurance company, you can check your policy online by logging into their system and viewing your policy information and payment history. If you do not know who has your car insurance policy, many states, like Georgia, offer ways to check the status of your insurance policy online.

  • Once you have your policy available to you, check your payment history and monthly premiums
  • Ensure you know which date your monthly premium is due and keep paying it
  • Make sure you have at least the minimum amount of insurance required for your state
  • Use a comparison tool to make sure you are getting the best deal on car insurance

Pay Your Premium On-Time

It is very important that you pay your car insurance premium on-time each month. The Illinois Department of Insurance states that failing to make your monthly insurance payments can result in the cancellation of your policy. If your car insurance policy does get canceled due to non-payment, you will need to contact your current insurance company to find out the steps involved to reinstate your policy.

Many states, including New York, have guidelines and information on how to reinstate your auto insurance policy after it has been canceled.

In many cases, your insurance company will want all of your back premiums plus your current month in order to reinstate your car insurance policy.

For many car owners, the amount may be too high. If you find you cannot reinstate your old policy, try using a comparison tool to quickly find multiple insurance policies at affordable monthly rates. You will need a new policy in order to drive legally.

  • Insurance policies are most often canceled due to nonpayment
  • A canceled insurance policy is not valid
  • You can call your current insurance company to find out how to reinstate your policy
  • To find a new, more affordable auto insurance policy, use a comparison tool

State Minimum Insurance

If your car insurance policy is paid and up-to-date, you should check to make sure it meets your state’s minimum insurance requirements. This is because different states require different amounts of insurance in order to drive legally.

For example, California requires that all drivers have at least 15/30 insurance. The numbers indicate the maximum amounts your car insurance company will pay out in thousands of dollars if you are in an accident that is deemed to be your fault.

In this instance, California’s minimum insurance requirements mean that you must carry at least $15,000 for injuries and deaths for a single individual and $30,000 in coverage if there is more than one person injured in the accident. California also requires every driver to carry at least $5,000 in property damage coverage.

  • If your policy does not offer the minimum coverage amounts for your state, it is not valid
  • Increase the amounts on your auto insurance policy if it is not valid
  • If you cannot afford to increase the amounts, use a comparison tool to quickly find a more affordable policy that is valid in your state.

Finding a Valid Insurance Policy

  • Locate a comparison tool
  • Input your personal information, driving habits and information about your vehicle
  • Submit the information
  • Wait for the results
  • View and review the policies

How to Review and Purchase New Insurance Policies

Once you have your list of potential insurance policies, review each one. Make sure it is an affordable amount for your monthly budget. Then, make sure it meets your state’s minimum insurance requirements. If you need more car insurance, you can look for policies with higher coverage amounts.

If you still pay on a car loan, you may need to look for car insurance policies that cover your car and the other driver, which are often referred to as full coverage insurance policies.

These policies include liability and collision insurance. To make this type of auto insurance policy more affordable, you can raise your deductible.

Once you have found a policy that meets your needs, you can usually purchase it online with a debit card or a credit card. Once you have purchased your policy, after using the comparison tool, print out your policy information and your temporary insurance cards. You new insurance company should mail you permanent cards with a week to two weeks. Enter your zip code in our FREE tool below to compare car insurance rates now!

Free Car Insurance Comparison

Compare Quotes from Top Companies and Save

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