How to Get DUI Auto Insurance

If you have a DUI on your driving record, you may feel like getting affordable auto insurance is out of reach. Getting auto insurance after a DUI  is a challenge, but many companies are more than willing to help you obtain the proper coverage.

1. Enlist the assistance of a qualified DUI lawyer. An experienced lawyer can help you win your case or reduce the charges. DUI charges can stay on your driving record for 10 years, and the insurance rate increases can be substantial. Fighting your case can have a positive outcome if you retain a skilled lawyer. If you win your case, you will not have to seek another form of insurance and can usually remain on your current policy without a rate increase.

2. Fill out an SR-22 form by contacting an insurance agent, if you were unsuccessful in winning your case. There are some states that do not require a SR-22 form be filled out. In most states, your driver's license will not be reinstated until you have completed this process. Your current insurance company may have to drop your policy if it is unable to insure high risk drivers. If it is able to keep you as a client, you can expect your policy premium to increase sharply. This is because it will now view you as a huge liability.

3. Seek non-standard insurance. These companies have experience in providing individuals with a DUI on their record an insurance policy. Many agents working for these companies are also experts in filling out SR-22 forms.

4. Realize you can save money by being a responsible driver. Analyze the consequences before you take action behind the wheel. Drive safely and avoid getting any future traffic tickets.