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When filing the form, make sure you enter the correct information. Apart from adding your personal information and the details of your vehicle, you will also need to select the liability limits for which you would like to be covered. You can choose additional coverage, collision and comprehensive, plus select your deductible. If you are not sure, what the minimum liability limits in your state are, do check with the local authorities.
What is DUI insurance anyway?
The term DUI insurance is used to describe a car insurance policy for drivers who have been convicted of driving under the influence. Such a policy is often referred to as SR22 Insurance too, although DUI is not the only reason why someone may be required to carry SR22 Insurance.
What makes DUI insurance different than a ‘normal’ auto insurance policy? Well, after a DUI conviction, you are usually required to show a proof of financial responsibility. This is done by a simple submission of an SR22 Form, hence the name SR22 Insurance. You may have heard this process also called SR22 filing. The good news, you don’t have to do it yourself, because your insurance company can do it for you. When obtaining quotes, just let the insurers know that you need an SR22 form to be submitted and they will take care of the rest.
How long do I need to carry DUI insurance for?
In most sates, the period during which you need to show a proof of financial responsibility is 3 years. It depends if it is your first offense or not. Of course, you need to double check the local laws and regulations. During that period, you need to have continues auto insurance coverage.
The same way your insurance company needs to submit SR22 Form when you purchase your policy, it also needs to notify the authorities if you discontinue your policy. This is done by submitting a SR26 form. If you let your DUI insurance lapse, you will most likely lose your license straight away.
DUI insurance rates
Lets be honest. Insurance rates do increase after a DUI. Yes, it may seem like an additional punishment on top of the penalty fees and probably a license suspension, but insurance is all about the risk. Insurance companies put drivers in different group and after a DUI, you will be automatically classified as a high risk driver. Some drivers see a 30% increase in insurance rates, others 130%. The reason is that having a DUI conviction is not the only factor taken into account.
The type of vehicle you drive, your driving record and credit score, play an important role too. Even where you live and what you do for a living can affect your auto insurance premiums. Even people in seemingly similar circumstances end up paying different rates.
It is worth mentioning that some insurers do not want to do business with high risk drivers. In some cases, depending on the conditions of the policy, an insurance provider can terminate a policy after a DUI.
Even the companies, who do insure high risk drivers, use different formulas to calculate DUI insurance rates. This is the main reason why the difference in rates between two insurance companies can be hundreds of dollars. The most important thing to remember is to compare quotes from at least 3 insurers.
Yes, contacting different companies and repeating the same information again and again can be very time consuming and frustration. Of course, you don’t have to lose hours of your time on the phone. Just complete our online form and we will do all the digging and searching for you, giving you the freedom to compare quotes from top national and local insurance companies. Who said that finding cheap DUI insurance is hard? See for yourself.
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