car insurance after a DUI contract signing

How to shop for car insurance after a DUI

March 1, 2019

Insurance can be the top expense after a DUI or DWI. You should expect your car insurance rates to go up. You will be marked as a high-risk driver in the eyes of insurers for a few years. Statistically speaking, according to the National Highway Traffic Safety Administration, fatal crashes caused by impaired drivers were six times more likely to have a prior DUI conviction than drivers.

What does that mean for you? 

Because your current insurance carrier may see you as a risk, they will either increase your rates or drop you at renewal time. However, that doesn’t mean all car insurance carriers are the same. You will most likely need what’s called an SR-22 or FR-44 form, which is individual state-mandated liability insurance that’s ordered by the court. It stays on file with the Department of Motor Vehicles (DMV).

 

Search for DUI insurance providers now!

 

Even if your state doesn’t require an SR-22 or FR-44, we recommend always shopping around (swallow your embarrassment and make the calls!) for the best rates. As important as rates are, you also want to seek a company with services that match your need. Some companies, like Breathe Easy Insurance, specialize in affordable insurance for drivers that have a DUI on their record. They offer policies for full coverage, liability and non-owner policies with an SR-22 filing. Beyond coverage, they’ll also help you with scheduling an Interlock Device, enrolling in a DUI Program, and restoring your driving privileges with the DMV.

What to ask:

  • Ask the insurance company whether it files the SR-22 with the DMV for you. You don’t want to let any procedures involved with your DUI slip by.
  • How much it costs to file the SR-22 with the DMV?
  • How long your state requires the DUI to stay on your record and when you can expect to see lower rates?
  • What factors do they consider when they quote you a rate? Your age, violations, history and more can all impact a quote.

Need help?

We are here. We can help you find the right attorneyfinancial providerinsurancecounseling and more. Just visit myduisolution.com. There are many resources dedicated to helping you stay safe and recover. If you or someone you know needs help with addiction, locate an AA Group here.