How To Get Cheaper Insurance When You Have A DUI On Your Record

7 April 2015 by Elijah Steward

When you have a DUI on your record, it can be difficult to get quality insurance. You must have auto insurance in order to drive, so you still have to place coverage on your vehicle even when traditional insurance companies won't allow you to be on their premiums. Learn how you can get cheaper insurance when you have a DUI hanging over your head, so you can drive legally and safely on the road.

Know what SR-22 is

SR-22 insurance is actually a misconception. SR-22 is not a type of insurance at all. Rather, it's a proof of certification provided by your insurance provider to the state that proves that you have gotten insurance on your vehicle. Nearly every state requires that you prove you have insurance if you have been convicted of a DUI, reckless driving, or driving without insurance. You cannot get this form filed without going to an insurance company who electronically files this proof of coverage for you once you pay for your policy. You need to know what SR-22 is since with your DUI, you will have to have this form filed before you can legally drive.

Get insurance with the right company

Many insurance companies will not allow you to have coverage through them if you have a DUI on your record, so you will have to shop around to even find a company that will offer you insurance. You will have to keep an SR-22 for 3 years, or as your state laws allow. That being said, there are still companies that can insure you. Start with your current car insurance company. They may allow you to maintain coverage with them, especially if you have a decent driving history other than your DUI and have been known to pay your premium on time. Keep in mind, however, that your premium will likely rise due to your DUI making you a driving liability.

If your current auto insurance company cannot assist you, they can refer you to another company, such as Illinois Automobile Insurance, who may be willing to give you coverage. Many companies partner with smaller insurance businesses that specialize in first-time drivers, drivers who drive without insurance, and drivers like you with a conviction under their name.

Making insurance cheaper

Once you have found a company that can give you auto insurance and submit your SR-22 form for you, there are ways you can make your premium cheaper. If you pay your premium in full, you may get a discount for being a reliable customer. You can also choose to place your home and auto insurance together, which can help lower your premium to a more reasonable rate. After several months of a great driving and payment history, your insurance provider may be willing to lower your premium to one that is provided to safe drivers.

Having to file an SR-22 due to a DUI is not the end of the world. You can get cheaper auto insurance by going with a company who specializes in customers with your needs, and with time, you can even get your premium lowered to something that is even more affordable.

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