I had enough for paying a lot of money for my SR22 insurance because of my DUI here in Los Angeles. Do I still have options of getting cheaper SR22 insurance for DUI?

Ben

Los Angeles, CA

You may have heard how drivers who were found guilty of driving under the influence (DUI) complain about the high costs of SR22 insurance. As a backgrounder, SR22 insurance is required among those who were caught for DUI. Simply put, SR22 insurance is given only to high risk individuals, and being high risk subjects them to high insurance fees. But those who need SR22 insurance for DUI should not worry since they can still get more affordable car insurance policy. Many SR22 insurance companies have been established to give lower SR22 insurance policies.

By definition, SR22 insurance is not just issued to drivers caught for DUI. It can also be issued to those who were caught for over speeding and driving without the required minimum car insurance coverage. However SR22 insurance for DUI is more expensive these days and not all car insurance companies issue DUI SR22 insurance.

However this is not to say that drivers in need of SR22 insurance no longer have options in getting a cheaper one. Specialized SR22 insurance companies have sprouted in recent years and they focus on giving lower SR22 insurance rate. There are also numerous websites that drivers can go to in search of cheap SR22 insurance rate.

Just like in buying a car insurance policy, you are encouraged to request SR22 insurance for DUI quotes first before purchasing one. This would guarantee you that you will get the best rates available in Los Angeles.

How come some car insurance companies want me to get them after I have been convicted with DUI here in Los Angeles, California? Do I have to expect my rates to increase and what is SR22?

Herman

Los Angeles, CA

After your DUI conviction in Los Angeles, California, you probably know by now that the financial ramifications of DUI don’t stop with the fines, assessment and fees that you paid for during the course of the proceedings of your DUI case. You would also be required to provide the court with a proof of insurance (SR22 insurance), which comes from your insurance company. You may consult with your lawyer as to how you can get the SR22 insurance without raising an alert or better yet, go on and get an online rate quote now from this website for your SR22 insurance.

You have to expect increased car insurance rates for many years to come. It would be nearly impossible to avoid increased car insurance rates after a DUI and consider yourself lucky if you are able to maintain your current car insurance at all. A number of car insurance companies want you after your DUI conviction but don’t just jump ship from your current policy until you hear the premium rates that these “high-risk driver” insurance companies offer because they are significantly higher.

I’m really concerned about my car insurance after being charged with DUI here in LA California. I heard that some of the traffic laws in California have changed. How would my insurance company deal with my DUI case?

Maxine

Los Angeles, CA

Under the California law, any DUI offense on your record will appear for 10 years from the violation date. This may sound unfortunate for you. Several insurance companies check your motor vehicle record only once every three years or when you’re applying for a new policy.
At times, DUI conviction can escape your insurer’s attention or don’t end up on your motor vehicle record. But if your insurer finds out about your DUI in California, you are likely to have higher rates and possibly policy cancellation or non-renewal.

You asked how your insurance company would deal with your DUI case. Well, in general, there are two ways insurance companies deal with customers with DUI conviction. First is that they may raise your car insurance premiums and label you a high-risk driver if it finds out you have been convicted of DUI. Second and worse is that they may cancel your insurance mid-term or terminate the policy at the end of the term because of your DUI conviction. If this happens, you may shop around to get lower rates for your insurance policy.