Stanley,

Boston MA

Stanley,

Good for you!  Checking your auto insurance rates every 3 years is a great idea.  This is a pretty common tactic for many agents, they slowly raise your premiums but the increase is so low that they know you will just put up with it. But over the years, so incremental increases really add up to a lot.  Checking around will almost always result in lower rates….at least until year 3 until the new company starts to jack up your rate ever so slowly.

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My wife has not carried car insurance since 2005. I was pulled over yesterday in her vehicle and had to surrender the license plates. How long can her license be suspended in Hamburg, New York and what are the fines for having a car and not having auto insurance on it?

Ben

Hamburg, NY

According to the New York State DMV if you do not have car insurance coverage and you do not surrender your vehicle plates to the Department of Motor Vehicle, your registration and driving privilege are suspended indefinitely.

You must pay a termination fee of $25 to reinstate your license when the suspension ends.

There likely will be other associated fees and fines to be paid so you and your wife may want to call the court listed on the ticket received for driving without insurance. The court should be able to give you with the information you need to know about this violation and its associated penalties.