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Electric Car Insurance Enforcement

Escalating oil prices has forced engineers and car manufacturing companies to be innovative. As with most inventions, it was the necessity for things to change, which led to hybrids and electric vehicles. This necessity to decrease oil usage and dependency has mothered a market of some of the finest and most efficient vehicles man has ever known. Fuel efficiency of electric cars is saving consumers thousands of dollars they would normally spend on gasoline, which allows them to have more cash for necessary things such as car insurance for their electronic vehicle. It is illegal to drive a vehicle of any kind without insurance. Electric car owners are no exception.

If you are driving an electric car, kudos to you for saving the environment and helping to keep the air clean. As an electric car owner, you convey a more solid, dependable image to insurance companies, and oftentimes, they are willing to reward you for your choice in automobile. Buying insurance for your electric car is similar in some ways to buying insurance for any other vehicle; however, there may be small differences that you need to pay attention to in order to make sure you have the right insurance coverage for your driving needs. Shopping online and asking for the right details will help you get the coverage you need. Comparing rates by shopping online will help you find the cheapest rates.

Enforcement of Car Insurance

Law enforcement is showing no soft spots when it comes to making sure motorists have insurance on their vehicle. Many states have a continuous insurance enforcement policy, which means that it is standard procedure for law enforcement to ask for your insurance when pulling you over for traffic violation or in routine traffic stops. If you're caught without insurance, you could face heavy fines and penalties. In some states, your vehicle can even be impounded if you're caught without insurance and you fail to become insured.

Electric cars are no exception to getting caught speeding either. Law enforcement uses the same techniques-electronic speed enforcement-to catch speedy drivers, including those driving electric vehicles. LTI, a small electronics company, invented the $3500 detection device, which has changed the way we drive and has changed the face of police officers across the country. LTI was bought out by an insurance company and has flourished ever since.

With the motto that "speed kills," the invention of the electronic speed detection device got the attention of police headquarters across the country, especially once revenue began to rise drastically from the tickets written to speeders. There are still many kinks to be worked out with using speed detection devices. They have to be used in a very specific manner in order to read accurately and in order to ensure accuracy they must be calibrated frequently. However, their accuracy far exceeds their flaws. Drivers must be aware of the risks they take when driving without electric car insurance. If one is caught speeding and without insurance, fines and penalties, including jail time, could be in your immediate future.

Types of Electric Car Insurance Coverage Available

With the unemployment rate still on the rise in most states, many drivers are opting out of continuing their motor vehicle insurance coverage. In the state of California, it is estimated that as much as 18% of drivers do not have insurance on their vehicle. With numbers like this, one must be aware of the costs to consumers. Insurance requirements are different depending on the state in which you drive. Some states are offering discounted insurance for drivers who qualify.

In Michigan, for example, a no-fault insurance system is used. What this means is that no matter who is sited to be at fault for the accident, each individual's own insurance must cover the damages of their own car-including medical expenses. The basic coverage required for each driver in Michigan is 20/40/10. This means that every driver must have a Bodily Injury Liability policy with a minimum of $20,000 per injured individuals, and a total of $40,000 per accident. The insured driver must also carry a minimum of $10,000 of property damage liability.

Georgia is a little different. In Georgia, the driver who's found to be at fault for the automobile accident is the driver whose insurance pays for all expenses of the accident. In this case, whoever is found to be at fault covers the expenses of both parties of the accident. This system is faulty if the person found to be at fault does not have insurance. It's another reason to have automobile insurance. The state of Georgia has a 25/50/25 coverage requirement. This means that every driver is required to have a Bodily Injury Liability minimum policy of $25,000 per injured person, with a total of up to 50,000 per accident. A $25,000 minimum limit is required for Property Damage Liability.

Check with your local insurance agency or online to find out minimum insurance requirements for drivers. It's better to be over-insured than under-insured. Driving habits and routes can change, and having more coverage than you need will help you make those driving transitions. However, having too little or no insurance at all can be costly. It's best to speak directly to someone who can compare rates for you, or to go online to compare rates yourself. It's fast and easy.

Ways to Save Money on Electric Car Insurance

So, you've just bought your new electric car and now you want to insure the car and drivers of the automobile. But you don't want to spend too much of your savings on insurance. There are a few basic ways you can save on your new insurance. First, do your best to keep a clean driving record. It may be tempting to test your new electric car for speed and performance, but be careful. And drive safely at all times. Keeping a clean driving record is a sure way to keep your electric car insurance low.

If your driving record isn't the best it could be, consider taking a defensive driving course. Many insurance companies offer a discount to customers who take a defensive driving course. Taking the course improves your driving and takes points off your driving record, which, in turn, helps the insurance company save money because if you're a better driver they most likely won't have to spend money on you.

Other basic ways to save on your electric car insurance is to make less frequent payments to the insurance company. What this means is that instead of paying for your insurance every month, you may choose the option of paying twice per year. This will save you money each month, and it saves the insurance company from having so much paper work.

You may also choose to bundle your insurance policies into one solid policy. For example, if you have homeowners or renters insurance as well as electric car insurance, you may bundle them altogether and save hundreds of dollars by doing so.

Remember to stay informed on the requirements in your individual state. Use online insurance comparison sites to compare prices and policies to make sure you get the coverage you need at an affordable price for your new electric car.


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