Best DUI Insurance Rates- Is It Possible?

 

October 30, 2009 by admin · Leave a Comment
Filed under: Cheap insurance for DUI 

Reader’s Question:

Is it really possible to obtain best DUI  insurance rates?

Sterling

Jersey City NJ

For many motorists, running after the best auto insurance rates is close to impossible. But, this may not be entirely true. Although most auto insurance rates are expensive, there are still several ways that you can do to obtain best auto insurance rates.

When you try to get the best auto insurance rates, you may not have to consume much time and effort like visiting each local insurance company or talking to an agent for long hours over the phone. What you have to do is to just to search online. By using the Internet, you can already compare for hundreds of auto insurance quotes and choose the best deal for you.

Do not also forget to ask for discounts that you may qualify for in order to reduce the amount of your insurance rates. Among the discounts offered by most car insurance companies is the multiple policy discounts. You can qualify for such discount if you have all your insurance like home, health and auto insured under one single company. You may also avail of cheaper auto insurance if you purchase your policy online.

You can also get lower insurance price on the mileage of the car you drive. If you drive less than 5000 miles a month, then some auto insurance providers may grant you low mileage discounts. Your driving record can also help you reduce your policy premiums as well. A clean driving record and history is a good testament that you are a responsible driver. Remember that the lesser the risk for accidents, the lesser the premiums.

If your car has safety features like airbags, seatbelts, anti-lock brakes and anti-theft devices, do not forget to mention it when you are getting quotes. Safety features like those mentioned can certainly get help you get affordable auto insurance costs.

High Risk Car Insurance Companies

 

February 20, 2009 by maricar · Leave a Comment
Filed under: Cheap insurance for DUI 

Reader’s Question:

I have been paying for high insurance since I have been convicted of DUI. I know it is my fault but it was just a lousy accident and nobody got hurt but my insurers didn’t understand this. How can I make my car insurance lower and look for a car insurance company for high risk drivers here in Kentucky?

Jun

Lexington-Fayette, KY

DUI, speeding tickets, bad driving record or negative credit makes a driver’s car insurance premium really high and it is really frustrating if the our car insurance company for a long time cannot give us the necessary discount or affordable price for a high risk driver. There are car insurance companies in Kentucky to choose from if you don’t want to continue your car insurance in your recent company. But then again, jumping from one car insurance company would not settle your problem especially if you just chose that insurance company because they have given you the cheapest car insurance for a high risk driver like yourself for the company might have given you the cheapest one but doesn’t cover everything you want.

The best thing you could do to find an affordable and well-covered high risk car insurance company is to look for the company’s profile. It would be a good idea if you look for a high risk car insurance company that has a good record, many experiences and doesn’t only specialize in high risk drivers but also other things. A well experienced, good profit high risk car insurance company can give you or file for a rate reduction and try to bring in more from other drivers. Car insurance companies, high risk or not, they always determine their rate by the result of their profits and losses.

Car Insurance Bond California CA

 

Reader’s Question:

My 22-year-old son receives a ticket most of the time and recently got a DUI. I’m planning to establish a bond for him and his car. Car insurance is expensive since we live in California. I would like to get your opinion on whether this is a good idea.

Lilian

Berkeley, CA

The California’s Compulsory Financial Responsibility Law states that every owner and driver must be financially responsible. You will find the ways of accomplishing the financial obligations.

1. the motor vehicle should be covered by an auto insurance policy.
2. A $35,000 cash deposit to the DMV
3. A self-insurance certificate from DMV to owners of at least 25 vehicles.
4. A $35,000 surety bond issued by the insurance company in California

The insurance must be at least within the minimum liability required by the state or an approved alternative way to pay for a damage or injury in an accident. A non-compliance of this vehicle code entails a
severe penalty.

It seems that you plan to accomplish financial obligations in number 4. Because of the limited information, I cannot tell you whether this is a good idea or not. You can contact your insurance provider in California to find out which is better provided by your son’s current situation.

The California Department of Insurance telephone line is 800-927-HELP and can be reached from 8 am to 6 am, Mondays
through Fridays except holidays. You can get more information on this matter from them.

 

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DUI Auto Insurance Cheyenne, Wyoming WY

 

November 17, 2008 by maricar · Leave a Comment
Filed under: Cheap insurance for DUI, DUI insurance 

Reader’s Question:

If I get caught driving under the influence here in Cheyenne, Wyoming, what will happen to my auto insurance policy?

Oliver

Cheyenne, Wyoming

Driving under the influence (DUI) is a serious matter that, us, drivers should not be too quick to neglect because it affects us in a lot of different ways. Aside from putting our lives and the lives of our passengers in danger, having DUI offense may also affect us financially.

Lately, states in this country are tightening the leash when it comes to this issue. In states like Oregon, Ohio, Iowa and Minnesota, laws are already ordering those with DUI offenses to have some kind of identification mark on their vehicles as punishment. Aside from this, their driving privileges are also being restricted. Some studies say that this tagging system is actually effective on lowering the numbers of DUI offenders.

So, now if the laws of states are getting really strict when it comes to DUI, just imagine its repercussions on your automobile insurance policy. Companies deal with this matter differently. They could actually give DUI customers very high rates or they could cancel or opt to not renew the policies of their customers.

If you are caught drunk driving there in Cheyenne, Wyoming, your automobile insurance company would most likely consider you as a high risk driver. This makes your premium skyrocket because most companies are not going to be willing to insure high risk drivers. In this case, you will be required to file a proof of insurance with Wyoming’s Department of Motor Vehicles (DMV) for three or even five years.

So, if I were you, just don’t drink and drive.

 

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Drunk Driving Car Insurance Florida FL

 

Reader’s Question:

How many years does the DUI remain on your driving history in the state of Florida?

Thomas

Coral Springs, FL

According to Florida state law, a DUI in FL remains on your permanent record and on your driving record for seventy five (75) years.

The Florida Statutes authorize the Department of Highway Safety and Motor Vehicles (HSMV) to establish and keep the management of driving histories for drivers in Florida.

According to HSMV convictions reflecting point assessments stay on a customer’s complete driver record for a period of ten years from the date of conviction. But, serious convictions such as Vehicular Homicide, DUI, DUI/Manslaughter, etc will stay on the driving record for 75 years.

 

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Drunk Driving DUI Insurance Hamden Connecticut CT

 

Reader’s Question:

How long does a DUI stay on your driving record in Hamden, Connecticut?

George

Hamden, CT

According to the Connecticut Department of motor vehicles records of moving violations on driving records are maintained for three years for most violations, although some serious infractions may stay active on the driving record for ten years.

From what I have read it would appear that a DUI remains on your Hamden Connecticut driving history for the full ten years. Since state statutes can change over time you may want to verify with the Connecticut DMV to see for sure the number of years a Driving Under the Influence conviction will stay on your driving record.

 

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DUI Auto Insurance Lakewood, Colorado CO

 

Reader’s Question:

What is the average auto insurance rate increase with DUI conviction? I live in Lakewood, Colorado.

Kate

Lakewood, CO

The auto insurance premium rate increase will probably occur at your next renewal period when your insurance carrier checks your motor vehicle record (MVR) and sees this DUI offense listed. The length of time for the increased premium rate will again depend upon state laws or the insurance carrier’s own rating rules and guidelines. Generally, it can affect you for three to seven years typically or as long as the offense is on your driving record if state insurance laws permit it.

With a drunk driving conviction car insurance rates tend to increase quite a bit and you will likely be classified now as a high risk motorist. According to the Colorado’s DOT your car insurance (if it’s not terminated) could go up 30 % on average. The amount of the car insurance rate increase will depend upon your insurance carrier’s rating system. If your insurance premium does increase to an unmanageable amount, you can get a quote here for FREE here to get an car insurance quote in Lakewood, Colorado.

 

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Drunk Driving Interlock Device Alabama AL

 

Reader’s Question:

Is there any state that doesnt use the Interlock device? If so, is Alabama included?

James

Mobile, AL

Yes, there are some states that do not use ignition interlock devices. The National Conference of State Legislatures (NCSL) lists Connecticut, Alabama, Hawaii, Massachusetts, Vermont, South Dakota, and Wyoming as states that do not use the ignition interlock device (IID).

State statutes change though so any of these states have passed laws or may have pending legislature since this list was put together so you would have to verify with these states Departments of Motor Vehicles to verify if IIDs are currently used or not.

Most states that do have laws regarding the IID require DWI or DUI offenders to install an ignition interlock device as a condition for reinstating license or probation after being convicted of a driving under the influence of alcohol violation.

Some states only require it after an individual has been found to be a repeat intoxicated motorist meaning that a person has been convicted of a second or subsequent violation for DWI or driving under the influence (DUI).

 

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Cheap Auto Insurance Rate

 

Reader’s Question:

Is there anything I can do to get a cheaper insurance if I have a DUI on my drivers record?

Mitch

Jackson, MS

Having a major violation such as a DUI on your driving record can affect your car insurance rates since as a motorist you are seen as more of a risk to an insurance company. In most states if you have been convicted of DUI your license will be suspended for a certain period of time and then when you try to reinstate your driver’s license you will have to have your insurance carrier to file a SR-22, certificate of financial responsibility, on your behalf.

The best way to get the cheapest insurance rates after you have been convicted of a drunk driving is to shop around. Comparison shop online Make sure to ask for any discounts that may be available to you. This can be for safety features on your vehicle such as , anti-theft devices, traffic courses, driver improvement etc. Discounts vary from one insurance carrier to another so ask what ones are available to check if you can lower your insurance rates by applying the most discounts to your insurance policy.

Idaho DUI Insurance Rate

 

Reader’s Question:

How does a DWI or DUI affect my auto insurance rate in Idaho?

Uma

Boise, ID

As required by most state laws, insurance companies need to file SR-22 for an individual who has been convicted of DWI (Driving While Intoxicated). This is to prove that you have certain types of insurance and you will be able to show an auto liability coverage.

A DWI offense in Idaho basically affects your car insurance policy in two ways. First, your company will keep you insured but will most likely react by raising your premium rates and labeling you as a high-risk driver. Second, your insurance company may cancel your insurance mid-term or terminate the policy at the end of the term because of your DWI conviction, especially if you are currently in a preferred class. Your insurance carrier will send you notification stating why you’ve been canceled, and then you will have to get another insurance provider while having a cancellation on your claims history.

Some states don’t permit insurance providers to drop you in the middle of the policy term even for a DWI charge, so be sure you know the laws in your state.

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