DUI Insurance

During under the influence of intoxicating substances like alcohol or drugs can definitely invite havoc in your life. But, the saddest part is in many cases, it also affects the life of other people; and they are usually referred as the victims. For this reason, the best option would be not to drive when you are intoxicated. However, if something goes wrong and get you on the wrong side of the law, make sure that you are protected by insurance for DUI drivers.

Yes, it is quite necessary to get equipped with the benefits of DUI Auto Insurance,

as it will help you to face the situations in a better way, at least financially. However, it is not easy for a driver who has already been slapped with a DUI offense, to get DUI insurance. But, through this article we will help you know how to get car insurance for DUI offenders and lots of other stuffs.


DUI car insurance rates

It is easy to understand why insurance policies for DUI offenders are more expensive than the conventional auto insurance policies. Quite obviously, the risk associated with a diver who has already committed a DUI (driving under influence) or DWI (driving while intoxicated) offense is higher than a driver having a clean record. For this reason, the premiums associated with DUI car insurance in 3 to 4 times higher than the conventional ones. Nevertheless, just like the penalties and offenses related to DUI vary from state to state or county to county, the rates associated with DUI or DWI car insurance also differ from region to region. Insurance companies from states where the infrastructure is better and numbers of accidents are relatively low will obviously charge low premiums for the insurance policies.


Car insurance after DUI

When it comes to avail a drink driving insurance policy, a lot of people consider it after their first DUI Arrest. So, it is wise to purchase DUI insurance after being charged for DUI offense? Well, certainly not. Auto or car insurance companies usually charge higher premiums from customers who have already been slapped with a DUI offense. Not only that; a lot of insurance companies not even consider selling insurance policies to the DUI offenders. So, it can really get tough for the first time offenders to buy a policy. On the other hand, if the person already had a policy before being charged for DUI offence, his or her current provider will either terminate or non-renew the existing insurance policy.

In both the cases, he or she will have to hire an attorney and apply for DUI SR22 Insurance.


DUI SR22 insurance

After a person violates DUI laws and is considered as an offender, he or she has to file an SR 22 form at the court, and it is mandatory. SR 22 form is a formal proof of auto insurance, and it is required in most states. Once the offender has successfully filed an SR 22 form, he or she will be able to apply for an auto insurance policy. Nevertheless, not all auto insurance companies offer DUI SR 22 policies. For this reason, you might have to work a little hard in order to find out the Best DWI insurance companies that entertain SR 22 policies.


Auto Insurance Coverage

Choosing the right coverage amount is definitely crucial for your safe future. When applying for an auto insurance policy, always keep few important things in your mind. First of all, take a look at the minimum coverage amount prescribed by your state. Secondly, consider your driving record before deciding the coverage amount.