English 
Español 
Generally, California drivers need to submit proof of auto insurance before registering their vehicles. The requirements are due to various factors, including governmental laws and regulations and those imposed by banks or other financial lenders. Continue reading to learn why obtaining car insurance is typically needed before registering a vehicle, the advantages of this factor, and steps that can make the process less challenging.
Financial Aspects
Obtaining insurance and then obtaining registration can protect you and other drivers from financial harm in the event of an accident or injury caused by your vehicle or that of another driver.
When you operate your vehicle, you need to maintain a financial mechanism for damages to you, passengers, other vehicles, pedestrians, or businesses harmed by an accident. The most common financial responsibilities are property damage and bodily injury. Requiring individuals to obtain car insurance first can reduce the financial burden for all involved or impacted by an auto accident and the general public.
Legal Consequences
Uninsured drivers are less likely to go on the road, and not having their vehicles registered is one of the top reasons. Operating an unregistered automobile in California has many legal consequences, including fines, vehicle impoundment, increased driver’s license points, higher auto insurance premiums, and possible court appearances or jail time.
Most California DMVs will require you to show proof of auto insurance before registering your vehicle, which can help you bypass the legal or financial consequences mentioned above. In addition to the coverage, there are often minimal requirements, so it’s best to verify you’ve met those stipulations before obtaining the vehicle registration. Doing so could reduce your odds of being denied the certification to operate your car legally on public roads. If you ride a motorcycle, you’ll need to have motorcycle insurance before you register your bike.
Safety
Reducing the number of uninsured drivers on the road can increase safety. Drivers are willing to follow regulations outlined by the government and financial institutions, boosting the odds of drivers following directions when actively operating their vehicles on the road.
Knowing drivers are accountable for their actions and vehicles makes the community safer. Safety can make driving less stressful and fearful, encouraging others to obtain their driver’s licenses, which is often necessary for many individuals and families.
Consequences in the Future
While auto coverage is required before registering your vehicle, the requirements don’t stop there. In California, you must maintain insurance to avoid a suspension of registration. Other penalties may apply, resulting in legal and financial repercussions. However, maintaining continuous coverage is the best way to prevent these consequences.
Some ways to avoid setbacks include paying for yearly insurance coverage. Your provider will bill you according to the terms outlined, ensuring you never miss a payment or experience registration suspension due to lack of coverage.
When speaking with an insurance provider, always ask what the best coverage options are to avoid failing to secure the minimal liability amount and risking your registration being denied or failing to have financial protection.
When they need affordable, reliable auto insurance, Chula Vista drivers turn to Altra Insurance Services. For high-quality coverage and outstanding service, reach out to one of our friendly representatives today to learn how you can save money on your car insurance.