About Me

Learning About Car Insurance

Hello, my name is Cliff Bolton. Welcome to my site about vehicle insurance. I wanted to learn all I could about insurance before I started driving to go into the decision-making process with ease. Once I started exploring the insurance industry, however, I could not stop reading. I learned all I needed to know to obtain car insurance and much, much more. I created this site to share this knowledge with my readers. I hope to help others tackle this important decision without worry. Please feel free to drop by daily to learn new information about this important topic. Thank you for visiting my site.


Latest Posts


Learning About Car Insurance

Why Some States Require Proof Of Insurance Prior To Title And Registration

by June Peterson

Some states in this country require proof of insurance before they will allow you to apply for and receive a vehicle title and registration on your car. If you are like most people, you may find that this is quite a hassle, since you may not have driven your vehicle at all yet and you cannot drive it until you get the title and registration cleared away. However, these states have some very valid reasons for making this a law.

Teen Drivers Absolutely Have to Be Insured 

For one, if you are a teen driver, you absolutely have to be insured. Your license is only temporary, and you are most likely to be in an accident because of your lack of driving experience. Requiring a blanket law to get you and everyone else on the road insured means that you are fully protected against anything that could happen when you get behind the wheel of your new vehicle.

Vehicles on a Lease Need to Be Covered Too

Leased vehicles are technically owned by the dealership that leases the vehicle to you to drive. You do not own it--they do. Unless you buy it outright at the end of the lease period, the vehicle belongs to the dealership and they require protection for their inventory. Likewise, the state requires that the dealerships have insurance on their leased vehicles to avoid third party lawsuits in the event of an accident. (This may or may not apply in your state; check with your car dealer.) If you opt to lease a vehicle, you have to have insurance on it before the title and registration is subtitled to you and registered with your name attached.

Some States Just Require All Drivers to Carry Insurance, Period

There are also some states that just require all drivers to carry insurance, period. If you drive, you have to have insurance. If you do not have a car yet, but you drive, you have to have insurance. The requirements are slightly different, but the idea is the same regardless of age or sex of the driver. Everyone that drives and/or has a driver's license in these states has to have insurance and show proof of it when they finally do buy, lease, and/or own a vehicle. Such laws are often found in "no fault" states where everyone in an accident is at equal fault and everyone files their own insurance claims