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If you’ve recently been convicted of a DUI, you may be wondering how to find car insurance coverage. It can be difficult to find an insurer willing to cover your vehicle after a DUI, but it is possible. We’re here to help guide you through the process and provide tips for finding the best possible policy for your situation.
Understanding the Impact of a DUI on Car Insurance
According to Forbes Advisor’s analysis, the national average auto insurance rate increase for drivers with a DUI is 70%. A DUI can have a significant impact on your car insurance rates, making them significantly higher than for drivers without a DUI conviction. This is because insurers view drivers with DUIs as higher risk, and therefore charge them more for coverage.
Additionally, your state’s DMV will notify your insurance company when you get a DUI, so it’s a good idea to contact your insurance company in advance to discuss the potential rate increase.
Furthermore, your insurer may add a “surcharge” to your policy, usually a percentage of the premium that you pay each year. It’s important to shop around and compare quotes from different auto insurance companies when looking for car insurance after a DUI to ensure you get the best rate possible.
Researching Auto Insurance Companies After a DUI
After a DUI conviction, it’s important to research auto insurance companies to find the best rates and coverage. Saving money on car insurance after a DUI can be done by checking with trusted providers like Progressive, State Farm, NJM, MAPFRE, and USAA.
These companies are known for offering the most competitive rates for those with driving offenses. It’s important to make sure you meet the guidelines for coverage in your state and to check if your insurance company accesses your motor vehicle report.
Depending on the insurance company, they may penalize those with DUIs or DWIs. Understanding how a DUI or DWI will affect your car insurance premium is also essential in order to find the best options for coverage and cost.
Check for Special DUI Insurance Coverage
In addition to researching car insurance companies after a DUI, it is also important to check for special DUI insurance coverage. Many states offer such coverage as a way to minimize the impact of a DUI conviction on car insurance premiums. Some companies may offer DUI insurance policies that provide better coverage at reduced premiums than standard policies.
It is important to research the requirements and restrictions of any policy before committing to it. Additionally, you should always compare the rates of different companies offering DUI insurance policies to ensure you are getting the best deal.
Compare Car Insurance Quotes After a DUI
After researching auto insurance companies that offer the most affordable rates for drivers with a DUI, it’s time to compare car insurance quotes to find the best coverage. When comparing quotes, it’s important to make sure that the coverage includes all of the necessary aspects such as liability and uninsured motorist coverage.
It’s also wise to check for any special DUI insurance coverage offers and discounts. Once you have found a policy that meets your needs, it’s important to make sure you understand all of the terms and conditions before signing any paperwork or paying a premium.
Additionally, if you need to file an SR-22 form, it’s important to make sure this is done in a timely manner to avoid any issues with your policy. Lastly, you should always check your state’s laws and regulations regarding auto insurance for DUI offenders before making any decisions.
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Look for Discounts and Other Options
After researching auto insurance companies, drivers with a DUI should look for discounts and other options. Many companies offer discounts for drivers who have taken a safe-driving course or have gone a certain amount of time without an accident.
USAA is one company that offers discounts for drivers with a DUI, and State Farm also offers some discount options for customers with DUIs.
Additionally, Farmers offers up to 15% off their car insurance rates for drivers with a clean driving record. Drivers who are willing to look for discounts and other options can often find ways to save money on car insurance after a DUI conviction.
Filing an SR-22 Form
Filing an SR-22 form is a legal requirement after a DUI conviction in most states. Once you submit it to your insurance company, they will add the insurance endorsement to your policy and notify the state. An SR-22 form is a certificate of financial responsibility that proves a driver has the minimum required auto insurance.
Your auto insurance provider must file the SR-22 form on your behalf, although not all insurance companies offer this option. In these cases, you will need to look for other options to secure car insurance after a DUI.
Understanding the impact of a DUI on car insurance, researching auto insurance companies and looking for discounts are all important steps when seeking car insurance after a DUI conviction.
Check Your State’s Laws and Regulations
It is important to check your state’s laws and regulations regarding auto insurance after a DUI conviction. Depending on the state, there may be special requirements or filing forms that need to be completed. Additionally, some states may have legislation mandating drivers to report DUI convictions to their car insurance company. If you are unsure of the specific requirements for your state, you can consult with an insurance professional or research the relevant laws online.
Additionally, it is important to stay up-to-date on any changes to the law regarding auto insurance after a DUI conviction as these can vary from state to state. Knowing the specific requirements for your area can help ensure that you are able to find the best coverage for your needs.
Finding Car Insurance Companies That Don’t Penalize DUIs
It’s important to research your options when looking for car insurance after a DUI, as different companies may have different policies and rates. While most standard insurance companies will penalize you for a DUI, there are some that don’t.
These companies offer specialized coverage for high-risk drivers, and often times will not raise your premiums or drop your coverage due to a DUI conviction. It’s important to do your research, as these companies typically require applicants to meet certain criteria and may even request a copy of your driving record from the state’s department of motor vehicles.
Additionally, many of these companies also offer discounts and other options to help keep costs down. Ultimately, it is possible to find car insurance after a DUI, but it requires doing your due diligence in order to get the best rate available.
Conclusion
It is important to note that finding car insurance after a DUI can be a challenging task. It’s important to research different auto insurance companies and compare car insurance quotes before making a decision. Many companies offer discounts or special DUI insurance coverage that can help reduce the cost of premiums after a DUI.
Additionally, if your state requires an SR-22 form, you will need to file this with your state’s DMV in order to maintain your license. Ultimately, it is essential for drivers who have been convicted of a DUI to find an auto insurance company that is willing to work with them, as penalties and rates can be much higher for drivers with DUIs than those without them.
