Ron: Does getting a DUI in another state affect your car insurance?

Response: Yes, this would certainly affect your car insurance. Each of the states reciprocates laws and procedures that allow them to share information pertaining to drivers in other state. Each insurance company has resources to check the driving records or the information on their own insured. Since you have a DUI record the risk category will change.

If you do not report the DUI to your carrier, which is a change, is a material change of your risk, the insurer has the right to deny your claim or cancel your policy on grounds of misrepresentation. You could have possible coverage issues if you have a loss and expect your carrier to pay out on it, not to mention the fact that your carrier could drop you altogether. This would look terrible on your record when you, say, go to get insurance from a different carrier. Your best bet is to simply own up to the DUI with your current carrier.

Once you own it up your insurer may increase the premium at renewal or ask you to go to another specialty insurance company. Remember that you can ask for your SR22 form if you insurer with a company which specializes in DUI car insurance. You can shop around for free SR22 car quotes and obtain affordable rates.

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.