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Thursday, April 2, 2009

DUI Car Insurance

By Belen Smithers

One of the most serious violations when it comes to driving is DUI or Driving under the influence. Consequences include suspension of driving license and/or termination of car insurance coverage contract. If you're lucky enough, your car insurance company will keep on providing insurance coverage in exchange for a really high insurance rate.

If that DUI happens to you, you will be better off searching for a new car insurance provider. In most cases, you will be forced to purchase additional vehicle and policy coverage. You will also need a proof or a certification that someone already provided you insurance coverage and that proof is called SR-22. SR-22 is only offered by a few car insurance company and you need to have an SR-22 insurance coverage for a short period of 2 years, tops. SR-22 is also the only way to reclaim your driving license.

Although dui insurance is expensive and not to mention some insurance company will ignore you, you can still reduce your insurance cost if you will do the following.

Don't rely on one insurance quote; you have to look around for the best and cheapest offer. As a matter of fact, you'll get cheaper insurance quote if you go to a car insurance company that particularly handles drivers with DUI arrest.

Taking DUI and Risk Reduction classes will potentially lower your insurance rate. In some states and if you're charged of DUI for the first time, they can clean you're driving record by just taking risk reduction class together with an alcohol education program.

Be honest - never lie to the car insurance company who will offer you insurance coverage. Be truthful and make them feel that you are responsible for your mistakes.

If your insurance quote is still high, don't forget to increase your deductible for both comprehensive and collision coverage. This will surely drop the dui insurance cost. - 21393

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