No Insurance Penalty
Back in April I got pulled over outside my house for not having insurance (fire and theft only) which was going to be reactivated the following week. This happened after completing an oil change and taking it for a spin down the road. What luck right?
After fighting it in court for months I have to pay the fine of $4k. So to anyone thinking you'll get away with no insurance, honestly not worth it...
Question: I am looking to get a beater for the winter and add it on to my policy with renews every March. I am wondering if the penalty of having no insurance will spike my insurance rates, will it now be seen by the insurance company or at the time of the annual renewal? Has anyone had any experiences with this in the past, what did you do instead? (Inb4 take the public transpo comments)
I was talking to one of my friends and he stated insurance companies don't spike up the premium unless it was a speeding, reckless driving, stunt driving ticket. But I just wanted to hear different opinions.
Any help would be appreciated.