Laura Berry is a former State Farm insurance producer and insurance expert.

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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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Deciding whether to report someone driving without car insurance is a big deal. While for many people the decision is obviously a yes or no, for many others the decision is more challenging. There are many factors to consider when making such a decision, not the least of which is what consequences will occur due to your decision.

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A driver without insurance is an accident waiting to happen. If that person has a car accident and cannot pay for the damage caused, they could face financial ruin or jail. Therefore, even though you may feel like a snitch and the individual without insurance may undergo some uncomfortable questioning, it is definitely the right thing to do, because you will be saving the individual and others from a more serious fate.

Reporting a driver who does not have car insurance is simply a matter of finding the right recipient for the information. If you check online, you can usually find a Financial Responsibility Department or some similar group that can receive such information and deal with it properly. Your state may also suggest that you contact the Department of Motor Vehicles to make such a report.

Driving without Car Insurance is Unwise

Car insurance is necessary in order to protect yourself in case of loss incurred from a car accident. This loss may be the loss of your vehicle, damage to your vehicle, injury, loss of life, damage to another’s property or even financial loss due to the other party suing you.

If you drive without car insurance and cause an accident, you can be held libel for damages and injuries that arise from the accident.

Unless you are wealthy, this could spell financial disaster for you. Even paying for your own injuries or the damages to your own vehicle could be financially devastating for many people. Car insurance is a wise transference of risk that helps keep you from difficult financial issues.

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Car Insurance Shopping Has Never Been Easier

Finding and understanding car insurance has never been easier than it is now, thanks to the Internet. With sites like the Insurance Institute of Information, which explain practically everything about insurance, there is no reason to not understand what you are buying. In your search for coverage, you simply check that site for information when there is a topic that is unclear.

Online quote tools also make shopping for coverage very easy, because it can be done from home anytime of the day or night. By simply inputting your information like driving records and demographic data, you will receive a variety of quotes from different insurers that offer coverage in your area. Because you get multiple quotes, it is easy to compare them to get the best deal.

Gone Are Excuses for Not Carrying Car Insurance

With shopping for coverage made easy, understanding the things that impact your coverage is important. Your driving record is of course one of the biggest factors and is often the reason some people avoid getting coverage. They assume or they know that insurance will be very costly for them because of past mistakes they have made when behind the wheel. However, because of the abundance of companies competing for your business, premiums are often not as bad as drivers may expect.

For this reason, it is important to get quotes from a variety of insurers and compare them based on price, coverage and the reputation of the company. You can easily find out if a company is financially strong and has a good outlook on the future if you get the independent car insurance rating of the company. Such companies give insurers letter grades based on their finances. An organization, such as A.M. Best or Weiss Ratings can provide that information to help you make the best decision possible.

Before beginning, gather information such as dates of traffic violations, and make and model of the car you drive.

Your driving record, your car, your demographics, and more are all considered in putting together a car insurance quote to fit your needs and the realistic risk you present.

When you have narrowed down your choices, be sure to ask for any extra discounts available or how small changes to a policy like higher deductibles can save you money on your car insurance.

Get started evaluating the car insurance estimates and policies out there for you by putting your ZIP code in the FREE quote tool on this page now!