Reader’s Question:

I have a DUI on my driving record. Is there anything I can do to get cheaper auto insurance?

Jean

New York, NY

Having a serious offense like DUI on your driving record can majorly affect your auto insurance rates since as a motorist you are seen as more of a risk to an insurance company. In most states if you have been convicted of drunk driving, your driver’s license will be suspended for a certain period of time and then when you go to reinstate your driver’s license you will have to get an insurance company to file a SR-22, certificate of financial responsibility, on your behalf.

The best way to find the cheapest rates after you have been convicted of a DUI is to shop around. You may use comparison shop in various websites. Make sure you ask for any discounts that are available to you. This can be for safety features on your car, driver improvement. anti-theft devices or traffic courses, etc. Discounts differ from one insurance company to another so ask what ones are available to see if you can lower your auto insurance rates by applying the most discounts to your insurance policy.

Reader’s Question:

I have a restricted driver’s license for a year and pays for the SR-22 insurance policy. I was charged with a small accident with no injuries and a DUI. I will be leaving to join the Navy so I will not be able to drive for 1 1/2 years. What do I need to do regarding the insurance and my restricted licenses?

Chris

Jersey City, NJ

I would suggest that you contact your local department of motor vehicle or the like agency that is requiring you to carry the SR 22 and explain the situation regarding you leaving for the Navy. They should be able to explain to you what you need to do concerning carrying the SR-22 and your restricted license.

If you have a car you will need to determine what you are going to do with it during your year and a half away in which you will not be driving. If you are not required to continue with your SR22 insurance and does not carry any car insurance many states will require that you turn in your license plates.