Where to Get SR22 Insurance After DUI Charge
Reader’s Question:
My boyfriend needs SR22 insurance after being charged for DUI. How does he get one?
Thanks.
Joyce
Miami, FL
Your boyfriend should look for a licensed insurance broker or agent who can help him find good SR22 insurance rates. He should shop around through the Internet or by using the telephone to find a reputable insurance agent or broker. A good insurance broker or agent can help him with the necessary documents and processing while giving him tips on how to find affordable SR22 insurance rates.
After finding a good insurer providing affordable SR22 insurance rates, your boyfriend should fill out the necessary forms. The insurance agent will then send the SR22 insurance application form to the state’s department of motor vehicles on your boyfriend’s behalf.
Your boyfriend also needs to file the appropriate paperwork so that his license will be reinstated. He can file for restricted license which is given to drivers who only travel to school or work. This type of license can be easily approved. However, he should keep in mind that he is restricted to travel certain distances and if he is found to be violating the restrictions, then he might be risking further penalties.
Your boyfriend should keep his coverage current. He should pay the premiums on time or his insurer may terminate the SR22 insurance and thus risk him to additional sentencing.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.
Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums. People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.
Does A Single Speeding Ticket Raise Teen Car Insurance Rate
Reader’s Question:
My 16 year old daughter got a ticket for speeding. Now we were just wondering if this will increase her car insurance rate? Does she need to notify her car insurance carrier?
Brian
Oklahoma City OK
If this is your daughter’s first ticket then it is possible that she will not see any change on her car insurance rate. Different states have different laws concerning when and why car insurance companies can lower or increase car insurance premium but usually car insurance companies are not permitted to increase your her car insurance rates after just one ticket or any minor violation. Various car insurance companies practices vary when it comes to increasing premiums. Some car insurance companies will consider the severity of your citation and increase your car insurance rates accordingly; others will increase rates a specific amount per citation.
Generally, an insurer has the right to check the driving history of anyone who applies for an car insurance policy from that insurer. If they see that you do not have good driving record, theres a big possibility that your car insurance rates will increase. Car insurance companies typically has their own point system to know the amount of the increase (if any). Although rating systems among car insurers differ, most car insurance companies use a system based on the Safe Driver Insurance Plan, which is issued by the Insurance Services Office (ISO).
Your daughter need not to notify her car insurance company regarding the ticket she receive because the insurance company will eventually see this citation on her driving record the next time they check her record.
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