SR22 DUI Insurance — Get Insured After a DUI

Bellevue WA

10 March, 2021

3:48 AM

Description

Mid-Columbia Insurance - Bellevue WAFlashing lights in the rear-view mirror are your first clue that getting behind the wheel after a few drinks with friends was a bad idea. A million thoughts run through your head. In addition to everything else, you are concerned about your car insurance costs. We can’t help with “everything else”, but we can help guide you through the process of getting DUI car insurance in Bellevue. We will help you get the cheapest DUI insurance in Bellevue by getting quotes from multiple insurance companies and offering you the best DUI insurance options. Technically, “DUI insurance” does not exist but, because many companies won’t insure a driver with a DUI, the term is commonly used by those shopping for auto insurance after getting a DUI and needing Bellevue SR22 insurance. Your insurance does not have to be complicated. Mid-Columbia Insurance can help you can find the coverage you want at a price you can afford even after you’ve been pulled over for a DUI. The companies we represent are not scared away by a Driving Under the Influence conviction. Will I have problems getting insurance after a DUI? If convicted of a DUI, most of the major insurance companies will consider you a high-risk driver and may charge you an exorbitant amount (hoping you will go elsewhere) or not even offer to insure you (and may even refer you to us). At Mid-Columbia Insurance we specialize in helping drivers who have a DUI or any other major ticket get affordable insurance. We represent a number of insurance companies that specialize in insuring Bellevue drivers with a DUI and needing an SR22 filing. Do I have to tell my current insurance company about my DUI? You are not required to report tickets to your existing insurance company. If they do find out, your current insurance rates should not change until renewal. But your insurance company may have a loophole that allows them to cancel policies if a driver loses their license. For this reason, a number of ‘preferred’ insurance company agents refer their clients to Mid-Columbia Insurance to handle the required SR22 on a bare-bones policy and not jeopardize their “preferred” insurance rates for as long as possible. How much does a DUI affect insurance rates? With most of our companies, a single DUI will raise your rate about the same as two speeding tickets but a second DUIs would be more like four or more speeding tickets. So yes, a DUI will raise your rates but if that is the only issue, our companies will not punish you. A second DUI offense is not treated so lightly since it shows a pattern of irresponsibility. And responsibility is the key factor insurance companies use to calculate rates. How much is DUI insurance? The rates insurance companies offer for DUI car insurance differ widely. Many factors influence the cost of DUI insurance, including the city where you live, your credit, and other activity on your driving record. Every company weighs these factors differently, so there isn’t a company that is always the “best” when it comes to insurance after a DUI. You need to get quotes from multiple companies. As an independent insurance agency, we can do that for you. How long does a DUI affect insurance rates? In Washington, a DUI may increase your rates for 3 to 5 years from the date you were arrested. Some companies wipe your record clean after 3 years. Others won’t drop it till it has passed the 5-year mark. Once the DUI has dropped off be sure to ask your agent to shop your coverage again to make sure you are getting the best rates available for someone with a “clean” driving record. Do I have to admit to my DUI when getting an insurance quote? Only if you want an accurate quote. Your Motor Vehicle Reports (MVR) is going to be run anyway, so not disclosing your tickets and accidents in advance just means you are delaying getting an accurate quote and preventing your agent from finding you the best possible policy for your specific needs. Can my insurance company cancel my policy because of my DUI? Yes. Some insurance companies will cancel a policy if the driver does not have a valid license due to a DUI or they might wait till the end of the term and non-renew your policy. Not all carriers accept drivers with major driving violations such as DUI. If your insurance company does cancel your policy, make sure you immediately get insurance from another company. Original Source: SR22 DUI Insurance — Get Insured After a DUI [FAQ] Mid-Columbia Insurance - Bellevue WA - SR22 InsuranceQuotes: (509)836-2700