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.

When Is An SR22 Required?

Reader’s Question:

Is SR22 only required for DUI or DWI? are there any moving violation that an SR22 will be required?

Eddie

Thank you for asking Eddie.

The reasons that an SR-22 may be required depends upon state laws and statutes. The SR-22 in most states is required to reinstate your license after a DWI or DUI conviction and other serious moving violations.

In Oregon, the Department of Motor Vehicles requires that your insurance company file an SR-22 certificate with DMV if :

* You failed to provide proof to DMV that you have liability insurance,
* You’ve been convicted of driving without insurance,
* You’ve been involved in an uninsured accident,
* You are applying for a hardship or probationary permit, or
* At the time of reinstating your driving privileges following a DUII suspension

This is not the complete list so to get more information, you may contact your state Department of Motor Vehicle.

The SR22 is a form that shows that you have financial responsibility on your car through motor vehicle insurance. Generally it is required by the state for drivers who are high risk. Each state has their own reasons or circumstances that require a driver to acquire and maintain the SR-22. Here are some reasons a state might require you to file an SR-22 form:

* DUI or DWI (drunk driving or under the influence of drugs)
* serious moving violations such as reckless driving
* compiling too many DMV points in a short period of time
* being termed a habitual traffic offender
* causing an accident while uninsured
* reinstating your license after a suspension or revocation

Goodluck!

MariCAR