How To Save On Auto Insurance With a DUI

There are couple of ways on how to save on your DUI car insurance rates- up to 50% savings!

Getting a DUI does not mean you will have to pay high prices for your car insurance. Take a look at the following tips so you can pay less that you normally would under these circumstances:

1. Increase your deductible. You may increase your deductible up to $1000 which is the amount you will pay if there is a claim and your carrier pays the claim. This will surely lower your rate.

2. You can save money by changing the type of car you drive, if you drive a four-door sedan instead of a sports car your rates will be lower.

3. If you have an old car, it would be best to opt for liability insurance and drop the collision and comprehensive coverage in your policy. You can save up to 20%.

4. Attend traffic school. Attending traffic school is a good way to improve your driving record. Some car insurance companies provide discounts if you recently attended traffic school. However, in some states, traffic school is required for drivers after a DUI conviction.

5. Ask for a discount. Discounts are a good way to lower your rate. Be sure to ask your insurance company what are the discounts that you can take advantage of.

A few popular discounts are given for

1. Military – both active and retired
2. Good grade students
3. Claim free history the last 7 years
4. Combining other coverage together, like home and life insurance with your auto policy
5. Multi car discounts if you have more than 1 car add it to your existing policy
6. Credit union members
7. Good credit score and on time payment history

These are just some of the things you can do to lower your rates. If you follow these suggestions, it could lower your rates on your DUI insurance. This short video I found helpful, so you might as well.

SR22 Car Insurance Bond in California

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.

Cheap DUI insurance rates and more – see for yourself and save a boat load.

How Long Does DUI Affect Car Insurance Rates

Reader’s Question:

I got a DUI three years ago. How long does my DUI affect car insurance rates? My insurance rate is still high!

Ben

Brooklyn, NY

 

The amount of time your DUI will affect your insurance rates depends on both your insurance company guidelines and your state’s regulations. States differ on how long a DUI or DWI stay on your driving record. It may stay on your MVR for as little as a few years or remain there permanently depending on the state and the situations regarding your DUI. As long as the infraction is on your DMV record, it is likely to affect your car insurance rates.

Each insurance provider has its own method of rating and evaluating people. To find out how long your DUI will remain on your record, contact the DMV in your state. To find out how long your insurance company is going to charge a higher rate, contact your insurance broker. Even after the offense is dropped from your record, your current insurance provider will have it on their records and may still charge your accordingly. It may be advisable to shop around for quotes from other insurance providers after your record is cleared.

Will a Dismissed DUI Case Still Affect my Car Insurance?

Reader’s Question:

Will a case of DUI dismissed in court can still affect my record and thus my insurance?

Neil

Thank you for asking Neil.

It is possible that for a dismissed DUI case to affect your driving record still. I would suggest that you check with your state’s Department of Motor Vehicles to find out what exactly will be listed on your driving record. The cost of a SR-22 will depend upon your driving history and other personal information.

The Department of Motor Vehicle (DMV) will be able to give you more information if a dismissed case of DUI will still show up your driving record. If you do find that the dismissed charge will remain part of your driving record, you may also contact your insurance company to know how this will affect your auto insurance rates.

Goodluck!

MariCAR

My Friend Got A DUI In My Car

Reader’s Question:

My friend drove my car and received a DUI. Will my insurance rates go up because she used my car?

Tara

Thank you for asking Tara.

If the citation or ticket is written to a driver only and not against a the car the person is driving, typically, it is the driver’s record that will be affected. Since your friend received the ticket for DUI in his or her name only then it would usually be their license and their insurance rates that would be affected by this citation.

You may verify with your state’s Department of Motor Vehicle to get more information regarding your specific situation.

Goodluck!

MariCAR

How Drivers with DUI Can Affect Car Insurance Rate

Reader’s Question:

My friend drove my car and he got convicted of a DUI. How will this affect my insurance rates?

Jairus

Thank you for asking Jairus.

If an offense is written to a motorist only and not against the motor vehicle, typically, it is the driver’s record that will be affected. If this is the case and your friend got convicted of a DUI in his or her name only then it would usually be their driving license and insurance rates that would be affected by this citation.

Most states have tough laws against driving under the influence of either alcohol or drugs. A court conviction of an individual operating while intoxicated, OWI, includes penalties such as a 48 hour jail sentence for a first offense, course or seminars for drinking drivers and substance abuse evaluation and or treatment. This is conviction may also come with a fine of up of to $1000.

Goodluck!

MariCAR