susan lucci : I really cannot afford to pay such high dui insurance or sr22 insurance. Looking for affordable cheap sr22 insurance.

5 great tips to save $500- $800 on dui insurance.
Response :The financial burden that an SR22 represents can be very costly. For most drivers that need to file an SR22 it is the result of driving under the influence. While this may not be the scenario for everyone it is likely that you are in that group. No matter the reason for the SR22 you are likely going to pay more for auto insurance than you did before. I will help by giving you five ways to lower the cost of sr22 insurance.

The very first thing you need to understand what is an SR22 and some common requirements from state to state. Each state is different and not all states require you to file an SR22. The SR22 filing is an add-on to your auto insurance policy that confirms you carry the minimum liability insurance for that state. But since you are involved in dui you would also require dui insurance. If the policy is ever cancelled the insurance company will notify the department of motor vehicles which can make you start the reinstatement process over. Be sure to know how long you are required to carry the SR22 so you don’t make that mistake. Typically you will be required to carry it for 3 years or more depending on your court ordered reinstatement.

5 tips that would reduce your sr22 insurance or dui insurance

1.Look for cheap sr22 insurance or dui insurance, shop around – This is an obvious but often overlooked option to reducing your SR22 insurance premiums. This is a great saver. We have some speciality insurance companies who would offer you the best sr22 insurance. Most people will go with their current carrier but you could save hundreds of dollars with another company. Some companies rate differently when it comes to DUI or other major violations which could save you a bucket of money.
2. Buy only liability insurance – Buy only having liability insurance this can save you 50% on the auto insurance. This may not be a viable option for those drivers who finance or lease a newer car since the bank will require full coverage. By stripping down the policy to only the required coverage can save you hundreds of dollars per year. Once you are no longer required to carry the SR22 you can add the full coverage back at any time.

3.Take up defensive driving. Defensive driving would help you get reduced rates for sr22 insurance and dui insurance or auto insurance. Your auto insurance rate would be drastically reduced and you would get cheap sr22 insurance.

4.Buy an older sedan – When you have a new expensive car the insurance on it can be very costly especially if you are required to carry full coverage by the lender. Buying an older car that is not financed can dramatically lower your auto insurance cost by not having to carry full coverage as well as the reduced cost to insure the year of car. Get a domestic sedan that is over 10 years old to see the most savings on insurance premiums.
5.Combine all your policies into one company – Most companies offer big discounts if you have them insure your home and cars together. This could save you another 15-20% per year. If you currently have all your policies with one company ask them if there are any other discounts you might be eligible for.

Get cheap sr22 insurance with this tips. You would make great savings.

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Michael Vint : What happens to my car insurance, if I am involved in a DUI?

Response : Unfortunately, one of the penalty of being arrested and charged for a DUI is that your auto insurance may boost. There’s also the possibility that your policy will be canceled. Auto insurance companies will now perceive you to be a risky driver. It can be enormously frustrating to shop for car insurance when it has increased by several hundred dollars.

Here are a few things you will have to keep in mind:

You’ll need to file an SR-22. This is a document that you will need to provide to the local DMV in order to change your suspension status and get your driver’s license reinstated. Check with your DUI lawyer to see if he/she can recommend any insurance companies that will help file your SR-22. There are a few insurance companies that will cover you, so shop around and be

Expect to pay higher premiums and down payments. While a driver with a clean driving record may pay under 100 dollars a month, another driver with a DUI can find that his/her rates increased to 200 per month or more.

The best way to avoid all this hassle with car insurance is, of course, to not drink and drive at all. The consequences of DUI can be costly, but if you learned your lesson and maintain a good driving record, you won’t have to go through this again.

Enlist yourself in an alcohol treatment or DUI program as soon as feasible after your DUI conviction. This will exhibit to the auto insurance company that you are serious about not making the same mistake again, and that you take the problem gravely and  uncomplaining.

Add the ignition lock on your steering wheel so that you will never commit the same mistake.

The best thing to do for insurance is to shop online for cheap SR22 insurance rates, since some speciality class insurers offer you cheap sr22 car insurance.

When you have been convicted of driving under the influence you will have to buy dui car insurance. This is when you will find out how much the DUI conviction will really cost because the price of this policy is going to be significantly higher than your coverage used to cost.

 Driving while intoxicated was a mistake, but this might be a situation which requires you to buy DUI car insurance for a certain period of time. This would not be a life-time requirement, since the record is only for 6 years, unless you are convicted again within this time period again. Secondly, you need not worry about it much incase the accident has not resulted in any serious injuries to anyone.

You can go along normally with life without stress and the only other problem you need to solve is that you will have to buy DUI auto insurance. The fact is that the premiums will be dearer than what you were paying for a pre-DUI. This is the reason why you will have to l shop around online for a more affordable policy. Here are three tips for getting DUI insurance easily and affordable DUI car insurance.

1.            There are many insurance companies which specialize in selling higher risk insurance like DUI insurance at a lower rate than you may think. The key to finding them is to request as many quotes as you can. The best way to do this is to visit a multiple quote web site.

2. Many websites would provide multiple quotes. The sites will allow you to enter all of your information into one form. The site will then forward your information to the car insurance companies you wish to receive a quote from. Instantly, you will receive 4-5 comparative quotes.

3.            You must review the details and choice the best quote for yourself. The policies will still be costlier than your insurance was before the DUI, but you may be pleasantly surprised when you see the quotes that are offered to you.

It is important to make sure you only have to purchase DUI auto insurance once. If you are convicted for driving while intoxicated again, the situation would change for you. Your driving license might be suspended and it is certain that your insurance premiums would be very high. You might be required to carry SR22. The insurance company, itself would issue a SR22 insurance form for filling, if you are required to have one for yourself and the company insurers you.