It’s a conundrum: You need to reinstate your driver’s license in order to get insurance, but you can’t get a license without insurance. It’s like the chicken and egg question, only more personally annoying.

But don’t worry.

Insurance companies that file SR-22 insurance know that many states need insurance filed before they will reinstate a driver’s license.

Essentially, insurance providers will allow you to begin your policy before you have a license. They typically allow a 30-day grace period. If you cannot prove to them that you have, in fact, reinstated your license, your policy will be cancelled, your dreams shattered, and your parents disappointed (living or dead. Disappointment transcends the living world).

So don’t do that.

When it comes time to recover your driving privileges, remember to start your policy first, and be sure to tell your insurance company that you are filing a SR-22 policy and do not have a license.

Then, go to your DMV, bring your SR-22 policy, and be sure to check back with your insurance provider that they received confirmation from the DMV.

If you haven't started shopping for SR-22 Insurance, start with our easy car insurance quote form.

It’s no secret that the instances of DUI convictions heighten around the holiday season. We already reported what you could do to avoid getting a DUI over the holidays, but what happens if you do.

First of all, shame on you. Just kidding. It happens. So what next?

Expect three things after a DUI. Number one, your insurance rates will likely be raised by your car insurance provider. How much is not clear, but people usually experience a 30 to 100-percent increase. Ouch.

Number two, expect to pay those inflated rates for years. Most states limit how long a DUI can affect your rates to three years, but it’s anyone’s guess.

Number three, you’ll have to familiarize yourself with SR-22 insurance. You insurance provider will likely require you to fill out a SR-22 certificate in order to get your license reinstated.

So if you made a blunder, thought you were under the limit, and didn’t want to get a cab, you can expect to deal with all three of these unpleasant items. However, if you haven’t yet attended your holiday parties for the year, remember just how awful these steps are, how costly they are, and how dangerous it is to drive drunk before you decided to do so.

Stay safe.

It's official. The snow is here, and with it comes fender benders, hit and runs, and insurance claims. 

But don't let it make you feel helpless. There are a few things you can do as a driver to ensure a safe Winter behind the wheel.

First, make sure you have comprehensive coverage. Many claims during the snowy season involve downed  tree limbs due to heavy snowfall. Collision coverage will not cover your vehicle against tree limbs, icicles, and the occasional clumsy snowplow driver, who sideswipes your car and leaves a nice dent under a wall of freshly plowed road slush.

Second, buy some snow tires. Many accidents are caused from losing traction and rearending the car in front of you, something that can be easily avoided by increasing your car's ability to grip the road. Snow tires are pretty inexpensive and can usually be purchased used.

And third, drive carefully. This one's a no-brainer, right? Wrong. Many people think all-wheel drive, for some reason, means "invincible." It doesn't. If there's snow on the road, and you're driving the speed limit as if it's business as usual, then you are taking a major risk. 

So buckle up, bundle up, and stay safe.

Progressive Insurance recently announced that it has settled its dispute with Allstate over its usage-based insurance service

Progressive’s Snapshot program uses a small device in your car to monitor how much you drive. The insurer uses this information in order to discount certain drivers who keep usage at a minimum.

But when Allstate unveiled a similar program, Progressive filed a patent infringement suit against the insurance company, a suit that was apparently settled last week.

On Oct. 3, Progressive announced that an agreement was reached, which includes a license for usage-based insurance issued by Progressive for Allstate. Both will offer the policies to drivers.

"This was about protecting and leveraging Progressive's investment of more than 15 years in usage-based insurance research, development, testing and piloting," said Chuck Jarrett, Progressive's chief legal officer in a company press release. "We have always said we are willing to license our intellectual property rights to others and that we will enforce those rights when necessary."

Although Bambi had everyone believing that deer wore chastity belts until each Spring, the mating season for them is actually in the Fall, and for the next few weeks, randy little deer will be looking for dates all over the forest.

Unfortunately, those dates are sometimes across roads, which means this is the most dangerous time for deer collisions when driving in wooded areas.

According to State Farm, both October and November account for one third of all vehicle-deer collisions.

But just because the accident is classified as a “collision,” simply having collision coverage in your car insurance policy doesn’t protect you from frolicking fawns.

In order to be protected against jaywalking deer, you must have comprehensive coverage, which differs from collision in that it covers against accidents that are not caused by colliding with another vehicle.

Get an insurance quote for comprehensive coverage by filling out our quote form, and keep your eyes peeled.