Tips for Getting Auto Insurance after a DUI

How to Get Auto Insurance After a DUI in San Diego, CA

When you are arrested for DUI, the first thing that goes through your mind is longing to go home. Once you are released from jail and you appear in court, you quickly realize that you are facing serious penalties that include: license suspension, hefty fines, jail time and the requirement to file an SR-22 to show that you are financially responsible. To reinstate your license and be granted the privilege to drive again, you will need your insurance company to file an SR-22 with the Department of Motor Vehicles for a period of 3 years. Here are some tips on how to find an insurer who will issue you insurance even though you are a huge risk.

Find a Reputable Carrier that Accepts High-Risk Drivers

Insurance companies calculate rates based on risk, and drivers who choose to drive under the influence are considered a huge risk. There are some companies that deny all risky drivers, and there are companies, like American Tri-Star Insurance in San Diego, that are willing to take on the risk without exponentially raising costs. You can start shopping for coverage and avoid disappointment by doing research and finding reputable insurers who have high-risk programs.

Know Your Driving Record

The best way for anyone with a DUI to find the best insurance is to comparison shop. Be sure that you have your conviction date and the exact charge. You should also give the insurer the dates of any other violations you have been convicted of or accidents you were involved in the last 3 years. Be as honest as possible, because your driving record will be verified and you can be denied coverage if you have undisclosed blemishes.

Make Sure Your SR-22 Fits the Requirements

SR-22 requirements can vary by state. Be sure that you know how much coverage you must carry and verify how long it should be active. Knowing these requirements can save you time.

Many people learn their lesson once they experience the financial impact a DUI causes. Be sure to keep your policy active and make payments on time to avoid lapses. By doing this, you can keep coverage low and the courts satisfied. For more information about low cost SR-22 Insurance in San Diego, reach out to American Tri-Star Insurance at 619-272-2100 and speak with one of our expert insurance representatives.