After receiving a DUI citation, you will likely be required to obtain SR-22 insurance, marking you as a high-risk driver. This often results in higher insurance premiums.
Here are some steps to help you find a quote for SR-22 insurance:
Comparison Shopping
Start by gathering quotes from several insurance providers. Many insurers have online platforms that allow you to get a quick quote by providing basic information. Make sure to compare the same coverage levels to get an accurate comparison. You might also consider consulting an independent insurance agent who can provide quotes from various insurers. They can offer personalized advice based on your unique situation.
Although big insurers may offer SR-22 insurance for higher-risk drivers, the quotes can be more expensive. Larger insurers might also include contingencies that can terminate your coverage. This can include reckless driving or other serious driving infractions.
When comparison shopping, it's helpful to get several quotes. Once you receive the quotes, look carefully at the language included with each insurance policy. If an insurer includes more contingency clauses, the coverage might not offer the same protections.
Consider High-Risk Insurers
Some insurance companies specialize in insuring high-risk drivers. They may be able to offer competitive rates compared to traditional insurers.
Look for Discounts
Even as a high-risk driver, you may still qualify for certain discounts. For instance, some insurers offer discounts if you have safety features in your car, complete a defensive driving course, or bundle your auto insurance with another policy, such as renters or homeowners insurance.
Maintain a Clean Driving Record
After a DUI, maintaining a clean driving record is crucial. The longer you stay accident-free and violation-free, the lower your premiums will eventually become.
Re-evaluate Your Coverage
You might also want to consider re-evaluating your coverage. If you're driving an older car, for instance, you may not need collision or comprehensive coverage. As time passes and your driving record improves, your rates may decrease. Make a point to review your policy annually to see if you can negotiate lower rates or find a better deal elsewhere.
Remember that while it can be challenging to find affordable SR-22 insurance, it's not impossible. Being proactive, shopping around, and maintaining a clean driving record can go a long way in managing your insurance costs post-DUI. However, the best course of action is always to prevent a DUI in the first place. Drive responsibly and never drink and drive.
Share13 June 2023
About ten years ago, my auto insurance was cancelled. This took place after one too many accidents. I was now a high risk, and my provider was not willing to keep me on any longer. Since there was no way that I was going to get behind the wheel without coverage, I started checking out plans with high-risk insurers. Some were not all that great, but others offered benefits that were very close to my old plan. I soon found a provider who would accept my application, and I began to be a little more careful with my driving. If you are having trouble buying auto insurance, let me help. I'll tell you what to look for in a high-risk provider, and how to find the best one in your area. In no time at all, you'll be covered and ready to get back on the road again.
