Any moving violation is likely to have a negative effect on your insurance rate. If you are cited for driving a non designated vehicle in a reserved lane during prohibited hours, it may cause your rates to go up.
More than likely it will be much cheaper to be on you mothers insurance. If you have your own vehicle you will need insurance, depending on the circumstances, you may want to be designated as driver of the cheaper vehicle to insure even if that is not your vehicle.
It's a vehicle that should not be there.
If they are listed on your policy then they should be covered. Most insurance companies have a setting that is designated as "away at school" and is a lesser rate. If they are no longer a resident or a dependent, then they should be covered if they borrowed your vehicle as coverage is afforded for drivers that you loan your vehicle to.
That shouldn't keep you from getting auto insurance as long as she is not listed as a designated driver of your vehicle. If your uninsured wife should drive and be involved in an accident with another driver, your insurance will not pay.
Speeding
There are various insurance companies who deals in commercial vehicle insurance . Insurance advisory Companies like Bima Coverage Is best for commercial Vehicle Insurance, as they compare premium and coverages from best insurance companies.
The cost for insurance will be determined by the location of the vehicle as well as the type of vehicle.
Auto insurance typically covers the car, not the driver. So, if you have insurance on your vehicle, but you drive another vehicle that doesn't have insurance, you are not protected by your policy if you have an accident in that other vehicle. However, if you have insurance on your vehicle, and you lend it to a driver (from another household) who does not have his or her own insurance, they will be covered by your policy while they are driving your car.
Your personal auto insurance will be secondary to the insurance of the vehicle that you are driving (assuming you do not own it and it is not a business vehicle). If you get involved in a car accident while you are operating a vehicle that is -not- yours, then the insurance of that vehicle has to pay first, and if that insurance is not enough (or is not there) then your insurance will kick in. Notice that if you get pulled over by police they will ask you to show proof of insurance on the vehicle (not your insurance.) The law requires all vehicles to be insured, not individuals.
If you don't own a vehicle, or have no intention of driving, you do not have to maintain auto insurance.
One can buy international vehicle insurance using AAA Insurance. One could also buy international vehicle insurance by purchasing from the GEICO company.
No, you cannot have double car insurance coverage for the same vehicle. Having multiple insurance policies for the same vehicle is considered insurance fraud.