Reader’s Question:

Andrew : I’ve been having problems getting low cost car insurance because of my DUI here in Tampa . Will you please help me and give me some tips in getting lower DUI insurance rate?

Tampa, FL

If you have been involved and found guilty and arrested for DUI, than your would require to purchase your auto insurance from a specialty insurance company which underwrites high risk. DUI insurance, also called SR22 insurance, is a lot more costly as compared to traditional types of car insurance. The increase in the number of cases of DUI is another reason behind the high insurance premium.  Because DUI insurance is offered to high risk drivers, car insurance companies giving DUI insurance have no option but to increase their rates. It is a common knowledge that insurance companies give higher rates to higher risk policy holders.

Another reason why it is very difficult to get cheap DUI insurance in Tampa is because of the increasing cases of DUI in the country. The insurance companies base their rates on the statistical data and the amount of losses that they have to pay since this is an expense for them. This has lead to the increase in the premiums. 

Today’s drivers are fortunate that there are now several DUI insurance companies offering discounted DUI insurance and most of them can be found in the Internet. This makes it easier for drivers to shop for cheap DUI insurance rate. Drivers who can’t afford high DUI insurance can still shop for low DUI insurance rate in the Internet since they can get a number of quotes at one time.  It also allows them to conveniently shop for a DUI insurance provider at a time that is convenient to them, besides they can do so from the privacy of their own home.

Drivers who are in search of the best rates should remember to compare as many low DUI insurance quotes as possible. There are several websites that allow them to request and compare DUI insurance quotes conveniently. Drivers can then get to the best DUI insurance in the market with the help of these websites.

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.