A lot of people believe that car insurance is a scam. They think that it is a money-draining con that bleeds the American economy to death (billions of dollars per year). If you are one of these people, and you are thinking of taking up driving without car insurance, you are not alone.
According to the National Association of Insurance Commissioners (NAIC), nearly 14% of Americans across the country drive without car insurance every single day. You can actually make the claim that uninsured motorists are driving up the cost of car insurance. The NAIC claims that these uninsured motorists cost Americans nearly $11 Billion.
Some people think that car insurance companies, who lobby in Washington to make car insurance mandatory in the United States, are responsible for these large numbers. If car insurance was not required by law, it would not be overpriced in the first place.
The price of car insurance ranges widely from state to state and city to city. The average American pays around $1300+ on car insurance annually. That’s over $80,000 per lifetime (based on average American citizen’s lifespan). That’s $80,000 of money that many Americans cannot afford.
A lot of critics argue that the risk of driving without car insurance is too great. A lot of these critics do not realize that the state of New Hampshire gives its citizens the freedom to choose whether or not they have to purchase car insurance. Little do they realize that New Hampshire has really not seen an overwhelming amount of “bad things” happen to them because they give their citizens the right to chose whether or not they want to buy auto insurance.
Freedom of choice is American and the foundation of free society. To say that we must purchase auto insurance is highly unconstitutional.
Driving without auto insurance is not only a great money saving opportunity, but its also a great way to thumb your nose at the system that’s constantly trying to bury us in fees, bills, fines, taxes, debt, levies, high prices, stupid laws, and poorly constructed roads.
The Top 10 Ways To Get Away With Driving Without Insurance
Now, without further ado, the top 10 things you can do to avoid getting caught driving without auto insurance:
- 1) Do Not Let Your Tags Expire – Those stickers on your plate can let the police know if you are driving an expired tag. Make sure you keep these up to date so you don’t get pulled over by a cop.
- 2) Make Sure Your Car Lights Work – If you are going to drive without car insurance, you need to make sure your tail lights, car lights, headlights, etc. are all functioning properly. Having a blinker that does not work is one of the most common ways people get pulled over.
- 3) Keep A Clean Car – Make sure the outside of your car doesn’t look like it hasn’t been washed in years. If you can’t keep your car clean, it creates the misconception that you cannot afford to pay for car insurance. If cops suspect you don’t have car insurance, they will pull you over.
- 4) Be Prepared For Breakdowns – If you have trouble with your cars equipment while you are commuting, you need to be able to fix it yourself. Have these things with you at all times – a spare tire, a car jack, backup bulbs for your lights, a quart of oil, an extra gallon of gas, startup batteries, etc. The reason you will need this stuff is because if you break down, a car might pull over to see if you need help. You don’t want to give him the opportunity to inquire about whether or not you need car insurance, do you?
- 5) Drive Responsible – Being a reckless driver without car insurance is the number one way to get pulled over and have your vehicle and license taken away. If you are going to be driving without insurance, make sure you obey all of the road laws. Stay focused, and stay responsible.
- 6) Make Sure Your Car Is Functioning Properly – If your car is in tip-top shape, cops will be less likely to pull you over. If you have a bad alignment, for example, the police might pull you over because you are not driving straight and may think you are drunk. By having a car that is in good shape, you will not draw the attention of the police. Go in for regular checkups to make sure there are no issues at all with your car if you plan on driving without insurance.
- 7) Do Not Drive With Suspended License – All the police need to do to see if you have a suspended license is to run your plates through their computers. If your license is suspended and they can see that, they will pull you over. Once they pull you over, they will find out that you also do not have insurance. Double win for the cop. Double loss for you. Don’t let this happen to you. Make sure to renew your license whenever need be.
- 8) Do Not Play Loud Music – Blasting loud music is a great way to draw attention to yourself while you are driving. If you want to get caught driving without insurance, sure, blast that Metallica or Wu Tang, but don’t say I didn’t warn you.
- 9) Do Not Have Any Visibly Missing Parts – This goes along with number six. Make sure that there is nothing bad about the appearance of your car. This includes: missing mirrors, smashed windows, bumpers hanging off, etc. Again, if you are driving a junky looking car, the cops will believe that you can’t afford car insurance and will be more likely to pull you over.
- 10) Always Come To Full Stops At Stop Signs – Most people do not know how important it is to come to a complete stop at a stop sign, they will usually just slow down almost to a stand-still and then keep driving. This is known as a “California Roll” and is illegal in most states. The police sometimes just wait at intersections and wait for people to break this law. Don’t let it happen to you.
If you are sick of paying for over-priced car insurance and want to drive without it, you can’t most likely get away with it if you follow these ten rules to the T.