Fred : How long will I be punished for DUI? How will DUI affect my SR22 rates?

Response : Fred, the court-ordered probation for DUI offence usally last for 3 to 5 years. It is mandatory to be insured during this period and an SR-22 form must be maintained fro three years. During this period the offender must also not commit any criminal offenses, drive under influence of wine or alcohol, give a chemical test when requested and pay the fine for assessment or restitution.

When the underwriter rates the SR22 than the basic factors of consideration are  like age, marital status, driving history, driving experience, the purpose of use of vehicle and your geographical area of residence. DUI and Sr22 is considered as a high risk and so there are few companies which underwrite this insurance and hence the premiums are high. The premium charged is approximately 30-40% higher than normal. Normally there are fewer companies who offer this coverage and that is another reason why the rates are high. SR-22 is only a certificate that proves you have met the states financial responsibility (insurance) requirements.

It is best to obtain comparative auto insurance quotes online which are generally available for free and save your money with cheaper or competitive auto insurance quotes.

Obama : What are DUI and SR22?

DUI insurance and SR22 Response : DUI stands for driving under influence. DUI/DWI is people who made mistakes in judgment. of taking drinks. In certain states even drinking several beers, a couple of drinks, a glass or two of wine are enough to become legally intoxicated. We usually do not think these drinks affect us, but the law says we are impaired when our blood alcohol concentration (BAC) reaches .08.

If a person is arrested for DUI than his car insurance rates and premium are certainly affected and he has to officially have an SR22. An SR22 is a proof of financial responsibility. 

An SR-22 is a certificate of insurance filed by the home office of an insurance company directly to the Secretary of State. The SR-22 certificate is issued in one of the following forms:

• An Operator’s Certificate – The policy covers the driver in the operation of any non-owned car.
• Owner’s Certificate – The policy covers a vehicle which is owned by the driver. The type of vehicle must be listed on the SR-22
• Operators-Owners Certificate – The certificate covers all vehicles owned or non-owned by the driver.

The duisr22 insurance quotes usually high, but one can check out different insurers for quotes for affordable rates.