Whether you’ve had your license suspended for a DUI, talking on a cell phone while driving, or being at-fault in an accident, you may still want car insurance. Getting car insurance with a suspended license isn’t necessarily easy, but it may mean paying lower premiums in the long run and holding onto your no-claims discount. Some license suspensions may also be conditional: You might only be allowed to drive while you are commuting to work and still require insurance. Whatever your reasons for wanting to have insurance with a suspended license may be, here are a few tips for making it happen.

Finding Insurance with a Suspended License

Check with the State DMV

Although it’s usually possible to obtain auto insurance while your license is suspended, check with your state DMV first. Laws vary from state to state, so you’ll want to call and explain specifically why your license was suspended and for how long to make sure that you can legally be insured.

Find an Insurer

Your suspended license may make it harder and more expensive to find someone to insure you. Insurance companies base their premiums on statistical models that quantify risk, and, as someone who has had their license suspended, you are more likely to drive riskily and be involved in further accidents.

Many insurers will disqualify you from coverage for a suspended license, so the pool to choose from will be smaller. An insurer may ask you to show that you are working to have the suspension lifted, or that your license will be reinstated within a certain amount of time.

Compare Quotes

As always, it’s a good idea to shop around and compare car insurance quotes to find the best rate. If you’ve found a few insurers that will offer coverage, ask about driving tests to demonstrate your aptitude in exchange for a lower rate and see if they will let you keep your no-claims discount for five or more years of a clean driving record.

Since 1989, Robert Taylor Insurance has been operating as an independent insurance agency in Lorain, OH, helping connect customers with everything from auto, motorcycle, and boat insurance to home and business insurance. This team of independent agents can help you compare rates and find the best possible auto insurance for your needs. Call them to today at (440) 277-5191 to discuss your options, or visit their website to learn more.