Q: Should I compare rates on SR22 auto insurance?

A: What? Yes! Yes, of course you should! Do you know what will happen if you don’t? I don’t know, paying half of my salary for car insurance isn’t my thing. If you want to avoid that outcome, then you should really consider trying to compare rates on SR22 auto insurance.

You may find a cheap quote on the first form you fill out, but you should never go with simply the first quote. It’s only a small sampling of what’s out there, and there are so many car insurance companies, and all of them have different rates because they base their rating system off of different claims information.

If you decide not ot compare rates on SR22 auto insurance, then you will be losing big time. Studies have shown that the average American pays $400 too much on their car insurance policy–and that’s just for people with regular policies. Imagine it as around twice as much for someone like you who has an SR22 policy.

Q: When should I compare rates for high risk insurance?

A: Ohhh, good question. You need to compare rates for high risk insurance, but you don’t need to be spending every hour of the day doing it. At the same time, you want to do it often enough that you can catch the rate trends and changes. I suggest that, so long as everything in your situation otherwise remains the same, you should make sure to pull up some quotes around every six months to a year. Try to do it, anyhow, about a month before each time your car insurance policy is set to renew.

You may have some other opportunities to compare rates for high risk insurance, too. If something changes in your life which might push your rates up and down, you need to see how other companies would rate you for it. Some things which might have an effect on your car insurance rate are:

• you moved to a new zip code or even a new state
• you have added a new driver to your policy, especially a teenager or another high risk driver
• you have received a traffic ticket or you have gotten into a car accident
• you have gotten married
• you have retired
• you have bought a new car

For those of you out there who had a little too much to drink before you hit the road, and who got caught, yu are now faced with the terrifying prospect of finding a reasonable auto insurance quote with DUI. It’s going to be hard enough to find the quote, but even more so to find one you can afford. That’s why these few years you will be needing auto insurance with DUI are times to tighten your belt.

Your first order of business is to review your coverage. Pull out that dusty policy, shake it off, and check out what you have. Then you set that alongside your car and see how they go together with each other.

What kind of coverage do you have? If you have just the minimum amount your state Department of Insurance requires all drivers to have, then you’re done with this first step–you can’t really go much beyond that. If you have additional coverage, you might need to reconsider some things. However, if your car is being financed/leased or is new or expensive, then you’re essentially okay with the extra coverage, and so you can also move onto the next step. If you’re still here, head over to Kelley’s Blue Book and plug in your car to see how much it’s worth. It’s advisable that if your car is worth less than $2000, you need to have only the minimum coverage and lose the collision and comprehensive. This will save you tons of money.

Q: Will my rates raise if I get drunk driver auto insurance?

A: Depends. They usually do, but in some cases they don’t. Sometimes the car insurance companies never even find out, unless you live in a state which requires you to file an SR22 with your drunk driver auto insurance (most people do). In other cases, you may have such wonderful qualities that your drunk driver auto insurance has hardly an effect on your costs.

For one, if you have been with a company for a long time, then they are less likely to charge you more after one offense, even if it’s something like drunk driving. You might have also, after being with your company for all of those years, earned yourself a a forgiveness, which allows them to ignore something on your record–these are typically for at fault accidents, but with some companies they can also be applied to things such as speeding tickets and drunk driving convictions.

Another thing which might do you well in the long run is a position as preferred customer. Preferred policy holders are the ones who have the perfect driving records, and if you manage to make it that high up, then it’s hard to make you fall, even with drunk driver auto insurance.

Q: How much is SR22 insurance?

A: How much SR22 insurance is will depend on a lot of things which are unique to you, so if I just up and gave you a figure, I’d be lying. What I CAN tell you is that there is a fee for filing an SR22 form, and this ranges from ten to thirty dollars by company.

Now, what about your insurance rates themselves? Well, what kind of offense it was will have an impact, first of all. Your rates won’t rise as much for racking up traffic ticket points as they will for a DUI, but they’ll rise either way. Also, how many times this has happened to you will also play in on your rate determination. If this is your second DUI, forget about it–your rates are going to jolt to the top.

As with any insurance policy, though, no matter how much SR22 insurance is at your current company, you should be able to find a better price by shopping around. Start comparing quotes, adding discounts, slicing, raising, and tightening wherever you can, and you might be able to keep out of control rate increases in check.

Q: I need to get high risk driver insurance for myself, but I’ve tried a couple companies and they turned me down. How can I become insured?

A: Don’t you hate the feeling of rejection? So embarrassing. You need to lower your standards, though. As someone looking for high risk driver insurance, many companies are WAY out of your league. Try something more homely, such as a high risk insurance company. While these will give you higher quotes, they specialize in insuring people such as yourself and you have better shot at getting your policy application improved. Even they have standards, though. If you have some other discrepancies on your record, you might push those and find yourself denied.

If you’re caught in that trap, then you have to settle for the worst but still viable option, which is to go through your state’s official auto insurance assigned-risk pool, where you’ll jump in with a bunch of other lousy drivers and wait to be handed off to a random car insurance company–maybe one of the very ones which rejected you! All you need is recent proof of rejection to join in, and though the rates are high, insurance is guaranteed.

Q: What is a quote for risky driver insurance?

A: A quote for risky driver insurance is something which is far more likely to cost a lot than are other insurance types. But how do you know if you need a quote for risky driver insurance? Well, this insurance type usually falls into the below categories.

• People who have had their license suspended for some reason or another, and who are usually now required to file SR-22 forms.
• Drivers over the age of 70. Between 65 and 70, you have the best prices often, but once you hit 70 you are considered high risk. You can lessen the affect of this on your quote for risky driver insurance by taking some driving classes to brush up your knowledge, going to regular doctor check ups, especially the eye doctor, to make sure you are still fit to drive.
• Drivers under the age of 20. Some companies say under the age of 25. In these years, you are considered risky because you are still a new driver and are more likely to get into a car accident.
• Drivers who have had previous at fault accidents or who have many moving traffic violations on their records.

So you got caught driving while drunk and now you have to pay through your nose for SR22 auto insurance.

Well if things are not bad enough, these guys are marketing to SR22 people via a boxing ring and poor old Abraham Lincoln……….I would have thought it would be NASCAR and Bill Clinton!

This commercial makes me want to get drunk and visit their office in person. Says “get a policy while you wait”……..can I wait in line with a beer in my hand?