Hey there, I just got my second DUI conviction and wanted to know if there are any auto insurance discounts I can apply or ask for? I don’t have the money to pay the $3500 a year premium my current carrier is asking of me.

James
Houston, TX

James, your second DUI, come on man! No, I really don’t think you are going to find any discounts what so ever, and you might be very lucky to be able to get coverage at all. $3500 does not sound to terribly bad to me for the amount of risk your carrier is taking letting you continue to drive on the roads with the rest of us.

There are many popular auto insurance discounts but I really don’t think they apply to your case.

1. Good students with good grades
2. Good credit history and credit score, will be used to determine your ability to pay on time
3. Credit union members, and sometimes some fraternal organizations like Rotary have a group association discount
4. Raise your deductible amount to the highest you feel comfortable with, you only pay this amount when you have a claim paid by your carrier
5. Combine other lines of coverage together, home, life and auto
6. Buy online, some carriers will discount if you use their online forms instead of an actual real agent

How does a DUI conviction  affect your car insurance?

Michelle

Denver CO
If you are convicted of a DUI or driving under the influence, DWI or Driving while intoxicated, OUI or Operating under the influence or maybe OWI or operating while impaired, your car insurance rates will go up. Some insurance laws will actually triple your typical car insurance rates after DUI conviction.

Generally, drunk driving conviction will affect your car insurance rate for at least three years. If the state you live in permit car insurance providers to check your insurance record for longer period, it may affect your dui insurance rate for more than five years.

If you have a dui conviction in your driving record, you are now considered as a high risk to an insurance provider. According to statistics, driving under the influence causes more serious accidents that is why car insurance companies increases your rates to cover your risk as a driver.

If your insurer will still continue to isnure you after DUI conviction, the increase on your car insurance rate will occur at your next renewal period when your insurer checks on your driving record and see the DUI offense. Your car insurance company and state laws will determine the amount of time for the increased of your dui insurance rate.

For example, in Colorado, car insurance rate may increase up to 30% after DUI conviction. Again, the car insurance increase will depend on the rating system of your car insurance company.

Having DUI conviction in your driving record can negatively affect your car insurance rate because you are being put to the high risk category by car insurance companies. It would be best to shop around for car insurance companies that may provide you a more affordable dui insurance that you can afford.

If you have DUI conviction in the past, you will probably have a sky rocketing car insurance rate for how many years now. If you are serious in getting low car insurance rate, here are some of the tips you can follow to lower the cost your car insurance.

Tips on How To Get Cheapest DUI Insurance Coverage

1. Although you have a DUI conviction in your driving record, there are still discount programs for that you can take advantage of. This will help lower your car insurance rate. For example, you can get discount dui car insurance coverage if you take defensive driving course from any authorized trafic schools in your state. That is one of the easiest way to get discounts for your car insurance.

If you are driving a high performance car, you may consider getting a four door sedan because it is much cheaper to sure compared to sports car and other high performance car.

You may also get a discount by installing anti theft devices in your car.

2. Another way to get the cheapest DUI coverage is to shop online for car insurance companies that offer DUI insurance coverage. It is best to get free quotes from these companies and compare the prices. See which companies offer sufficient and cheapest DUI insurance coverage that you need. There are comparison online websites where you can fill out just one form and get various results for quotes from different car insurance companies that can insure you. Make sure you provide accurate information and details about you to get accurate result from these companies.

I recently been convicted of DUI. I would like to know if this will affect car insurance rate if the policy is not under my name? The policy is under my mother’s name.

Mike

Los Angeles CA
Your mother’s car insurance rate will be affected if you are listed as a driver under her policy.

The driving record of any licensed motorist on a car insurance policy or in a household can have an effect on the insurance coverage premiums along with the insurer’s judgment to insure the car. Specific violations might result in an insurance company to deny you or the policyholder car insurance coverage plan or to pay high-risk policy.

An individual having a poor driving record is a lot more of a risk for an insurer than an individual with a good driving record and therefore their car insurance cost are usually more costly. The entire car insurance policy hence may be impacted by a single driver’s DUI or major driving offense.

If you have been denied  coverage from your car insurance company, it is best to comparison shop for a more affordable DUI insurance. Shop for companies that will provide coverage that you can afford.

You can do a lot to help lower your insurance premium. One way is to attend traffic school. Some companies offer discounts for those who recently attended traffic courses. This will also help you improve your driving skills. Make sure you also ask for discounts that you can take advantage of. The more discounts you get, the more chances of getting reduce DUI insurance rate.

I live in Michigan. I would like to know how long does a DUI conviction  affect my car insurance rate in my state.

Alfred

Lansing MI

In Michigan, they adopted an .08 BAC standard for DUI conviction. According to drivers responsibility program, those who have been convicted of DUI or drunk driving are subject to a $1000 penalty fee for about two years.

In Michigan, if this is your first offense of DUI, a convicted person may face up to 93 days in jail and may pay a fine up to $500. You will aslo be required by the state for 360 hours of community service and 6 points will be added to your driving record. Your drivers license will also be suspended for 30 days or so.

Drunk driving violation may stay in your driving record for 10 years. After DUI conviction, your car insurance rates may be affected for about three years.

According to the Michigan Financial and Insurance services, insurers may deny coverage if within the past three years you have been convicted of DUI or driving under the influence.

There are various ways on how to lower down your car insurance premium after DUI conviction. One way to do this is to shop for car insurance prices. Make sure you compare car insurance rates offered by these car insurance companies. Do not expect to get a cheap insurance rate since you will be put in the high risk category if you have a DUI conviction in your record.

Do I need 2 car insurances after committing a DUI offense last week? I know it was a terrible mistake and I want to make amends by at least complying with what the state requires in terms of car insurance. Apart from DUI insurance, do I also need to have DUI SR22 insurance?

Ian

Pittsburgh, PA

To put it simply, DUI SR22 insurance is not really an actual car insurance. It’s nothing more than a form filed by the auto insurance company of the driver with DUI offense to the state, informing that the insured has the mandated insurance coverage.

Though I commend you for acknowledging your mistake (because you were caught and didn’t have a choice, right?) and wanting to make amends by at least complying with your state’s car insurance policies and regulations, it doesn’t mean you’re already considered a saint. Are you aware of the countless lives that were lost on the roads caused by drivers who were DUI? Every person is entitled to his/her own choice, but when that choice does harm to others, it is obviously so wrong. So, Ian, please drive responsibly next time.

By the way, I suggest that you check various DUI SR22 insurance companies online. You will find a lot of choices by just clicking. I’m sure that the best DUI SR22 insurance is just at the tip of your fingertips.

I hope you get a free rate quote while you are here DUI insurance

What are the risks involved resulting from a DUI conviction in Pennsylvania? How much am I expected to pay before I get back my license?

Anthony

Pittsburgh, PA

Like in most states, Pennsylvania is taking serious charges against a DUI conviction. Anyone convicted with DUI does not only face revocation of their driving privileges but as well as they will also be made to pay heavy fines worth at least a thousand dollars.

The least amount that a convicted DUI driver is going to pay in Pennsylvania ranges from $3600 up to $6000. Not only that, you also get your driver’s license suspended for six months. But the most difficult part of trying to get back your license after being convicted of DUI is the settlement of heavy fees. The average cost of fees for a first time DUI offender works closely at $11000 and that is even before filing for an SR22 insurance comes.

An SR22 insurance is necessary when one wishes to get his or her license reinstated. It is Pennsylvania’s way of monitoring the compliance of a liability insurance coverage among those with unsatisfactory driving records, such as a DUI offense. Anyone who is required of an SR22 has the high potential of causing accidents. Therefore, it must be guaranteed that they are financially capable of compensating any injuries or damages sustained during at fault accidents.

You are also at risk of finding for an insurance company that files your SR22 for a DUI conviction. Your current auto insurance provider may cancel your policy and worst, other insurers may close their doors for high risk drivers like you. If this happens, you may have no other choice but to choose among Pennsylvania’s pool of high risk auto insurance providers which normally, will charge you with more expensive DUI insurance rate.

Fortunately, there are still many dedicated SR22 insurance websites that allows you to access to the latest competitive DUI insurance rate. Not only that you get to compare competitive offers from various insurance providers, you also get to easily file your SR22 online.

Is it really possible to obtain best DUI  insurance rates even if I have 2 DUI charges on my record?

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, seat belts, 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.

One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.

Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums.  People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.

Why not get a free insurance quote for DUI insurance while you are here

What is DUI SR22 insurance?

Nancy

Kansas City, MO

DUI – SR22 insurance is certainly one of the worst possible auto insurance policies a driver must get. Drivers must purchase SR22 insurance, not voluntarily, but because he or she made the judgment of driving while under the influence of alcohol or controlled substances. A DUI – driving under the influence – is one of those crimes that may not seem so serious in the beginning but later on when the consequences arrive can ruin your finances.

At worst, being charged with a DUI offense can lead to imprisonment. In most cases, it leads to the loss of one’s driving privileges, a temporary suspension of your driver’s license and car registration, or your car can get impounded. The only way of clearing up your condition and getting back your privileges is to file an SR22 certificate with your insurance company. This certificate, or bond, is a way of proving to your state that your auto insurance company is aware of your DUI conviction and is willing to take on the added risk to insure you. If the certificate is canceled for any reason, you might find yourself in bigger trouble if caught driving without it. The certificate must be held for a specific time period assigned by the state.

Most car insurance companies respond to DUI charges by increasing insurance rates or canceling the policy altogether for the offender. An SR22 insurance policy is in the high risk category and many auto insurance providers do not want to work with high risk drivers. Paying for a high risk auto insurance policy can strain your budget but the DUI offender has fewer and fewer choices. Getting a DUI offense and having SR22 insurance is not something you would want on your record.

What can I expect to happen if I get convicted of drunk driving here in Alabama? thanks!

Tanner

Tuscaloosa, AL

Alabama drivers getting caught DUI or Driving Under the Influence can expect a heavy penalties and costly fines for this very serious type of offense. In fact, most states today have strict laws and punishments against DUI offenders, some of which includes suspension of one’s driving privileges and even possible incarceration. For offenders, it is crucial to get a DUI insurance coverage after satisfying one’s DUI sentence in order to be allowed to drive again.

Important information about DUI penalties in Alabama:

• First DUI offense: $600 to $2,100 fine, up to one year prison sentence, and suspension of driver’s license for 90 days.
• Second DUI offense: $1,100 to $5,100 in fines, one-year imprisonment and license suspension for a year if second offense was within five years after the first.
• Third DUI offense: $2,100 to $10,000 fine, three-year license revocation, and one-year incarceration.
• Fourth DUI offense: $4,100 to $10,000 in fines, one to ten years possible imprisonment, and suspension of drivers license for the next five years. The fourth offense is already treated as a class C felony by the state.

After satisfying your DUI sentence, it would be necessary to get an auto insurance provider that will file an SR22 form for you, and give you the necessary DUI insurance coverage so you can drive again. It is also important to note that this kind of auto insurance can be very expensive, unless you know how and where to go to find the most affordable DUI auto insurance rates.

These days, the Internet has become one of the best channels for people looking to save more money on their auto insurance needs, DUI insurance coverage is no different and with the many dedicated online auto insurance and DUI auto insurance specialists, finding the most affordable DUI auto insurance is now easier than ever.

Take advantage of the free auto insurance quote search tools available on these online auto insurance portals. These are the best ways to get the latest auto insurance rates, coming from a variety of auto insurance providers in Alabama today. With these, spotting the cheapest DUI insurance policy only takes minutes.