I recently been convicted of DUI. I would like to know if this will affect car insurance rate if the policy is not inder 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 judgement 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 of dui insurance coverage from your car insurance company, it is best to comparison shop for a more affordable dui insurance. Shop for insurance companies that will provide coverage that you can afford.

You can do a lot to help lower your dui insurance coverage plan. One way is to attend traffic school. Some companies offer discounst 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 coverage rate.

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

My boyfriend was recently charged with DUI. What is the consequence of this on his auto insurance?

Rose

Seattle, WA

Driving under the influence can give your boyfriend a lot of problems when it comes to his vehicle insurance. He will have to request for a DUI insurance from his insurance company. This is also called as SR-22, although in reality this is not a type of insurance policy but more of a certification from his insurer. When he is given a DUI insurance, it means that your boyfriend has the policy or coverage to pay off any damages that he may incur on the road.

The problem is that DUI insurance is very hard to gain. Most insurance companies do not give SR-22 since this is high risk. Even if they do give SR-22, insurance companies will be charging your boyfriend with pretty high premiums. Your boyfriend will have to deal with larger monthly payments for his insurer.

When your boyfriend fails to pay off his monthly obligations with his insurer, the company can cancel the SR-22 and that could lead to more troubles for him. Your boyfriend cannot drive a vehicle without SR-22 for at least 3 years, so he either has to deal with expensive insurance premiums or be barred from driving.

Wow, super cheap rates on DUI insurance see for yourself!

My husband and I live in Largo, Florida. My drivers license is suspended and he has a good driving record. Can he purchase automobile insurance?If so, how? The previous car insurance carrier canceled our insurance because they found out about my DUI and my suspended drivers license.

Jean

Largo, FL

Your husband might be able to get car insurance in Largo, Florida since he has a valid drivers license and a clean driving record, however he may expect that the car insurance policy would typically not going to be cheaper since you, as his wife, are household member with a suspended drivers license and DUI conviction. He would likely have to find an insurance carrier that deals with high risk auto insurance policy.

The Florida’s Department of Financial Services may be able to assist you with your insurance needs by providing you more information on what the state of Florida insurance carriers might be able provide your husband the car insurance he needs for the automobile.

You can also start getting car insurance quotes now to see if you can get a better car insurance rates with different insurance companies. You may type in your zip code in Largo Florida to see how much insurance cost you may expect that includes a household member with DUI conviction.

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.