Getting car insurance after a DUI conviction is difficult, but possible. The SR-22 form is required to ensure continuous coverage, and smaller companies may offer better rates. Compare quotes for basic or full coverage to find the best option.
If you have been convicted of driving under the influence or DUI, you may find it difficult to obtain insurance. If you currently have coverage and have recently been convicted, your rates may increase substantially or your policy may be canceled entirely. Since many auto insurance companies don’t offer coverage to people who have been hit with a DUI, and those that do tend to offer only high rates, you’ll probably be lucky to get some coverage. However, as difficult as it is to get auto insurance with a DUI, it is possible to do so by finding the companies that offer coverage and then comparing their rates. Also, you need to know a little about the SR-22 form that is required before you get auto insurance.
In most cases, your license will be suspended after you receive a DUI. To get it back, you must fill out a form SR-22 and turn it in to your local department of motor vehicles. This document ensures that you always have insurance, because if you have a lapse in coverage, the department of motor vehicles will be notified and your license will be suspended again. Basically, the SR-22 form is a way to ensure that you don’t go without the minimum insurance. When looking for DUI car insurance, be sure to ask each company if they offer SR-22 insurance policies, as those that don’t won’t be able to insure you.
The process for obtaining auto insurance with a DUI is no different than the procedure for obtaining typical auto insurance coverage, except that you will have far fewer options. If you previously had coverage that was canceled after your conviction, consider calling the provider to request reinstatement, especially if you have a clean driving record. If the company refuses, keep in mind that while many major companies may not insure it, it is possible to find smaller companies that specialize in doing so. They can usually be found in newspaper and magazine ads, as well as online through search engines.
Once you have a list of companies willing to insure those with a DUI, you should start looking for price quotes. You can find them online or by calling each provider and providing your basic information. When comparing your price quotes, be sure to consider whether the price is for basic or full coverage. The insurance provider with the most coverage for the lowest rates should stand out as the best company to get DUI auto insurance from.
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