Car Insurance After a DUI or DWI

After you have received a DUI or DWI, your car insurance is going to be more expensive. The reason for this is that people with a DUI are considered a higher risk than someone who has not been convicted of driving under the influence of drugs or alcohol. Additionally, you may be required to carry an SR22 statement of financial responsibility in addition to your car insurance coverage, and that will cost a little more on your premiums.

To make the cost of DUI car insurance more affordable, look into the discounts available to you. Some discounts to look for include discounts for the type or model of car you drive, your credit score, where you work and where you park at night, and even the kind of job you perform. When all of your available discounts are taken into account, DWI car insurance may not be much more expensive. If you have to carry an SR22, it will only be for a set period, usually 1 to 3 years, and then you can stop paying the extra cost for that coverage.

If you are legally entitled to drive a vehicle, you can get insurance coverage for it. Even if you have had a DUI or have a low credit score, insurance companies will write you a car insurance policy. If you are too high of a risk for traditional car insurance, you can still get insurance through high risk pools that insurance companies contribute to equally.

Finding DUI/DWI car insurance used to be a difficult and time consuming process, but you can do most of the legwork from your home computer now. Online car insurance quotes are available for everyone, even those who have had one or more DUI convictions. Compare quotes online and look for companies that offer you better coverage or a break on your driving record. With online quotes and a little time you will be able to find coverage that matches what you had before and does not cost you an arm and a leg just because you made a small mistake.

Posted in Car Insurance.