DUI Car insurance

Martin Obama : I am looking for cheap dui insurance tips?

Cheap dui insurance tips once we understand what dui insurance is.

Before we start on to how to get cheap dui insurance tips lets understand the basics of dui insurance.

What is dui insurance?

DUI insurance is also commonly known as SR-22 insurance, sr22 car insurance or sr22 auto insurance. Let me further inform you that actually dui insurance or sr22 insurance or sr22 car insruance are the terms that are used by us – the people at large. As far as the insurers are concerned drunk driving or dui or dwi or duianddwi are high risk drivers- to them this is a risk class.

Secondly, sr22 insurance is just a form given by the insurer similar to the pink slip, which is a proof of insurance. This is a mandatory requirement of the State authorities without which you would not get a driving license also, in cases where the authorities have made this a requirement. Normally, this requirement is imposed on only after a dui conviction or driving under influence convinction.

Now, you need car insurance after a dui and in most cases a sr22 insurance and hence such type of car insurance is commonly called the dui insurance or sr22 insusrance.

5 tips to cheap dui insurance

1) Find a insurance company which is a speciality insurer. Normally speciality insurers are high risk takers and hence would provide cheap dui insurance when compared to personal auto insurance companies.
2) Next, in order to get really cheap DUI insurance quotes you will want to try and bundle up your home insurance with your car insurance. On average, people can save up to 20% or more when they put all their insurance’s through one company.
3) You can go for the minmium state required liability insurance coverage. However, this would be advisable only if you have given up drunk driving or have strong assets to protect you when the liability might be higher then the state limits.
4) Installing a steering lock to prevent you from drunk driving, would get you cheap dui insurance since the chances of an accident are averted.
5) Getting all the possible car insurance discounts like driving shorter distance, taking defensive driving lessons and changing the type of car you drive would all help in getting cheap dui insurance.

Compare auto insurance for getting cheap dui insurance

Compare auto insurance to get cheap dui insurance is the best way. The easiest and gauranteed way is to get your dui insurance quote here. We have partnered with the best speciality insurers and they all offer you their cheap dui insurance quotes and advice here. Get it and be a winner. Dui insurance is never easy to get and cheap dui inusrnace… its like a gold rush.

DUI Car insurance

DUI Car insurance

 Jeff : How long will it take your your high risk auto insurance cost to go down once you have had speeding tickets?

Response : Speeding tickets is an indication to the insurance company or a red light flag that you are a high risk driver. Now, the second issue to consider here is if you have had speeding tickets which are more than one or just one ticket. If it is only one ticket than the auto insurance premium will increase by 10-15% per month or yearly. The record would stay on your books for 3 years by the insurance companies, but they will remain in your record for 7 years.

 Now, if you have had more than three speeding tickets, than the normal market or personal line auto insurance companies will decline your application and you would have to go to the specialty market to be insured. The specialty market generally insurer this risk since they are the underwriters for high risk insurance. The auto insurance rates will be high and you will have to pay a much higher auto insurance premium than what you were paying to the personal auto insurer.

 If you have speeding tickets than this are some steps or measures you need to take :

1)     Enroll yourself in a good defensive driving school.

2)     Get anti-brakes installed so that you are not able to speed.

3)     If you are driving a sports car than you need to change the model since you are more likely to speed in a sports car than an ordinary car.

4)     Learn to control to urge to speed.

 Last but least you need to shop around for high risk auto insurance quotes and you will definitely get affordable auto insurance.

DUI Car insurance

DUI Car insurance

Ben Affleck :What are the normal speeding tickets that are given for over 50 km and what are the steps one can take. How would this affect auto insurance?
Response : I would deal with the insurance option first being an insurance expert. If you are caught speeding and do not have any demerit points, the personal auto underwriting companies will accept your proposal with a higher quote. If you get over 4 points , as per the personal lines, you will be grouped in the high risk category and you will have to pay higher insurance like the drunk drivings and other offences. You will have to go t the specialty insurance market who underwrite DUI or sr22 car insurance quotes, since they would give you a better quote than the drunk drivers. Believe me for them you are a low risk compared to the intoxicated driving offenders. You will naturally pay higher than the normal rates, however you can still get affordable cheap car insurance in this group for sr22 car insurance.

  When you are speeding by over 50 km ove r the limit that is posted and you have to pay a fine as per what you are charged. There are 3 options for you:

1) Pleading Guilty
2) Pleading Guilty with an Explanation
3) Trial / Not Guilty

When you plead guilty you will be fined and mostly the demerit points will not be added to your record. The trail option is the only option if you do not want to pay and fight the charge or reduce the charges and the demerit points also. A plea of guilt with an explanation is not a trial and your speeding ticket will not be eliminated off of your record with this option.  At most the speeding ticket may be slightly reduced, but this usually only includes the fine amount and not the demerit points.  The trial option is the only way to fight for dismissal of a speeding ticket or for a drastic reduction in the fine or demerit points.

Demerit Points for Speeding Tickets

0 – 15 km/hr over = 0 points (minor infraction)
16 – 29km/hr over = 3 points (minor infraction)
30 – 49 km/hr over = 4 points (major infraction)
50+ km/hr over = 6 points + 30 day license suspension

DUI Car insurance