Auto Insurance With DUI in Pennsylvania
Reader’s Question:
I am 18 years old and I received a DUI in the state of Pennsylvania, but I went through the ARD program, will my insurance rate go up at all?
Nicole
Pittsburgh, PA
They allow in Pennsylvania for an Accelerated Rehabilitative Disposition (ARD) for first time DUI offenders. When a DUI offender is accepted into an ARD program the state will suspend their charges but requires that certain court ordered conditions are met. These conditions may include community service and drug and alcohol counseling.
Basically, ARD is a one-time alternative to a conviction, trial and possible mandatory jail sentence for the conviction of driving under the influence in PA. There is a $500 processing fee to be in the ARD program plus you can expect to pay a fine, a fee for alcohol safe driving class, court costs and a probation supervision fee.
The Pennsylvania Insurance Department states that if you are convicted of a DUI, whether you completed an ARD program or not, your license will still be suspended. This alone is a valid reason for insurance providers to raise rates, cancel or non-renew your policy.
Auto Insurance With DUI in Pennsylvania
Auto Insurance With Revoked License and DUI
Reader’s Question:
My husband and I live in Florida. My license is revoked while he has a perfect driving record, can he get insurance and how does he do so if he can? The last insurance carrier canceled us because they found out about my DUI and the revoked license.
Michelle
Jacksonville, FL
Your husband might be able to find auto insurance in Florida since he has a valid license and a good driving record, but the auto insurance policy typically would cost more since as his wife you are a household member with a revoked license and DUI. He likely would have to seek an insurance carrier that deals with high risk auto insurance.
Florida’s Department of Financial Services should be able to assist you with your consumer needs by providing you information on what FL insurance providers might be able give your husband the car insurance he needs for the car. You may call their consumer hotline at 1-800-342-2762.
Auto Insurance With Revoked License and DUI
Auto Insurance After DUI Conviction
Reader’s Question:
My boyfriend was convicted of DUI last week. I want to know what does the conviction of DUI involved and what are the requirements needed so that he can continue driving his car. Can we still get auto insurance after a DUI conviction or are we toast?
Kathy
Aurora, NE
In Nebraska, when a person is found guilty of DUI, all vehicles owned by the person will be immobilized for not less than 5 days but not more than 8 months. Immobilization refers to the revocation or suspension of the vehicle registration including the license plates. The officer may confiscate the license of a drunk driver on the spot if the driver acts drunk or fails on field sobriety test. This may also eventually leads to the arrest of the driver for driving under the influence of alcohol.
A court ordered revocation is an order from the court to suspend any license or operating privileges for a specific period of time set by the court. Your boyfriend’s license was revoked because he is convicted of a traffic violation, specifically on driving under the influence or DUI.
Your boyfriend needs to meet the following license reinstatement requirements if he wants to continue driving his car here in Nebraska. He must sign an affidavit of lost license if he no longer has the possession of his license. However, this requirement does not apply to an expired license.
Another requirement is to file proof of financial liability coverage in the form of SR22 insurance. The filing for SR22 insurance for DUI convicted motorist can be requested from an insurance company. This type of insurance is usually for high risk drivers. So naturally, a requested SR22 insurance for DUI drivers is charged high by most insurance companies.
Your boyfriend must keep this certificate for a minimum period of three years from the date of eligibility. Failure to comply with this requirement would result to the re-suspension of his license and driving privileges.
A reinstatement fee of $125.00 must also be settled. Payment can be in the form of cashier’s check or money order and must be made payable to the Department of Motor Vehicles in Nebraska. He can also pay online using his credit card. Just do not forget to include his identifying information such as his name, date of birth, license or social security number and current mailing address.
Auto Insurance After DUI Conviction
Cheap Auto Insurance With DUI in New Jersey
Reader’s Question:
Hi! I was recently caught for DUI. Now I need auto insurance with a DUI in New Jersey so that I can continue driving. However I need car insurance New Jersey that is cheap. How do I get it?
Vince
Newark, NJ
Getting regular auto insurance in New Jersey can be tough, let alone with a DUI on your record now. All I can really say is keep trying, there is no magic bullet or special “hot line” to call for cheap rates. You can, and I suggest you try, enter your zip code on this page in the form above and see a list of agents in your area willing to write this kind of high risk policy. Its free and pretty fast.
You can contact your insurance company handling your other insurance policies like life and health insurance if they can give you car insurance with DUI. However most insurance companies may not give you this type insurance because this is a high risk type of insurance. Check first with your insurer if there’s any chance that they can grant you with one. You may even get a discount because you have multiple policies with them. However prepare to be saddled with high insurance premiums because it will be really expensive.
Sorry can’t be much more help on this question.
Cheap Auto Insurance With DUI in New Jersey
Will Auto Insurance Pay For Accident With Restricted License
Reader’s Question:
MY husband has a restricted license because of DUI and he was driving outside of his restrictions when he crashed his vehicle because of road hazard. Will his insurance pay for this?
Jenny
Thank you for asking Jenny.
It will be up to the insurance carrier provisions and/or exclusions to decide if this will be covered under his insurance policy.
The typical exclusions on a Personal Auto Policy are below but they can vary for every insurance company and state:
1. committing a high misdemeanor or felony, or seeking to avoid lawful apprehension or arrest by a police officer; or
2. acting with intent to cause injury or damage to himself or others.
3. Operating a vehicle without the permission of the:(1)Owner of the vehicle or(2)Named insured under the policy insuring that vehicle
4. War (declared or undeclared) or civil war;
6. Insurrection;
7. Rebellion
8. Any act or condition incident to any of the above resulting from ;a. Radioactive; b. Toxic; c. Explosive; or d. hazardous properties of nuclear material.
It seems that your husband will have coverage afforded unless there are other exclusions listed on his policy.
Goodluck!
MariCAR
Will Auto Insurance Pay For Accident With Restricted License
Getting Charged With DUI and And Your Car Insurance Rate
Reader’s Question:
My friend told me that a sobriety DUI ticket can greatly affect my auto insurance. Is that true?
Grisom
Aurora, Colorado
Yes, a sobriety ticket will affect your auto insurance, how greatly will depend with your insurance company.
Your insurance rate will probably rise significantly if you will be convicted of the absolute sobriety violation. We are not sure how much but it will depend on the rating system of your insurance provider. In some cases it will double or triple the amount you are paying especially if it’s for an alcohol offense. It will also depend upon the gravity of your violation. It is also possible that your auto insurance be canceled because most insurance companies find this offense serious. Some insurance companies will increase your premium for a number of years or simply not allow you to renew your insurance policy. This is primarily because you have a higher risk to get into an accident as to a driver who never got cited for this kind of violation.
Different states will have their own laws and rules regarding drunk driving. In Wisconsin, each person under 21 should maintain absolute sobriety while driving, be it a motor vehicle or a motorcycle. There will be penalties if you refuse to submit if an officer demands you to take a blood test, urine test, breath test or any other test that will determine the alcohol content in your body. This may lead to license suspension or license revocation. Some convictions may also lead to monetary fines.
Insurance rates are affected as well for a minimum of three years if you are cited for underage drinking that involves a motor vehicle. Also in Wisconsin, a law prohibits a person below 21 to possess or consume alcohol.
Insurance companies consider drinking while operating a motor vehicle a serious offense especially if you were cited. This will mean that you have a higher risk and with that come a higher rate in your insurance policy.
7 Tips to Help You Get Cheap Auto Insurance
Reader’s Question:
Like everyone else, I want to get cheap auto insurance rates. Just how do I do this without having to hire any brokers or spend too much time? Am I asking for too much here?
Zeus
Biloxi, MS
These days, who has the luxury of spending hours with agents or brokers 
to find auto insurance coverage? Still it is worth it to make sure you find the policy and provider that suits you best. Here are some useful tips to help you:
1. Start Online – Use auto insurance comparison websites (like this one). You get access to free instant auto insurance quote checks and are able to compare many different insurers simultaneously. This saves you a lot of time and effort in finding the best-priced deals out there.
2. Read the Policy Carefully – Know exactly what you’ll be paying for. Sometimes you end up with coverage items that are completely useless to you. Take off redundant coverage. If you have an old, cheap vehicle consider lowering (or dropping) comprehensive coverage.
3. Get Discounts - You can get discounts for bundling multiple policies with one company, for taking defensive driving courses, or for lowering your total annual mileage. Discounts are a great way to lower expensive coverage. Make sure to always ask for what you’re eligible for.
4. Go with a Competitive Company – Find out which insurers have the best service, rates, claims handing process, etc. by visiting the websites of Independent rating agencies like A.M. Best and J.D. Power. You can get valuable insights that will help you determine the companies you should do business with.
5. Choose a Bigger Deductible - Higher deductible, lower premiums. Just don’t make it too high though.
6. Setup an Annual Payment Plan – Most insurers today offer reduced rates or discounts for customers who pay a year upfront. If you can afford to, take advantage of this to save more in the long run.
7. Be a Good Driver – Nothing beats a good driving history when it comes to keeping affordable coverage for years to come.
Will Driving a Small Car Increase My Auto Insurance Rates
Reader’s Question:
Is it true that I will pay more on my auto insurance if I drive a smaller vehicle? What other things should I know about that could cause me to pay higher rates?
Lillian
Ann Arbor, MI
Excellent question! First of all, yes it is quite possible for you to get charged higher auto insurance on a smaller vehicle. Everyday physics would tell you that in a collision between a smaller vehicle and a bigger one, the latter will always win. Passengers on a smaller car would have a higher risk of death or injuries in this case, even with a ton of safety features in place. This higher risk is what causes people to get more expensive auto insurance quotes from insurers.
Other things that can cause you to pay more on auto insurance:
1. Poor Credit Rating - Those with poor credit tend to file more claims and get into more accidents (statistically speaking). This increases the risk and therefore the rates.
2. Unsatisfactory Driving History – Getting into more accidents or collecting traffic tickets is probably the quickest way to skyrocket your rates.
3. Annual Mileage – The more you are on the road, the higher the risk of getting into a car accident.
4. Too Much Claims – Claims indicates how frequently you get into car accidents. The more you file the more you’re telling your insurer that you are a riskier driver.
I highly recommend you do as much auto insurance quote checks as you can. Use online auto insurance comparison websites to do this easily and quickly so you can get the best offers.
Affordable Car Insurance For Senior Citizen Quotes
Reader’s Question:
I want to give my parents a new car for their 25th year anniversary, but I want to know how I could cut costs on their car insurance since they are both already senior citizens. We live here in New Hampshire. Can anyone give me some advice for getting car insurance for senior citizen?
Tom
Manchester, NH
Tom, you are such a sweet kid to make this gesture for your parents’ 25th wedding anniversary. And since you are a sweet child who reminds me of my own kid, I am going to help you out with your problem.
Car insurance policies can be quite costly at times, depending on the profile of a person. Several factors have to be considered in pricing, like driving record, credit history, gender of the person applying for car insurance, etc. So, knowing information about how insurance works would help you greatly in lowering your expenses.
Anyway, here are some ways to reduce what you are going to pay for your parents’ auto insurance.
First, I suggest that your mother be the one to carry the automotive insurance that you would be applying for. This is because women are generally considered less hazardous on the road. Statistics show that men are greater risks on the road than women. It is for this fact that senior citizen car insurance companies are more open to the idea of giving discounts to female drivers.
Now, your mother’s being a senior citizen, partnered by the fact that she is a female driver, is going to further lower the automotive insurance premium. Why? Because senior citizens are entitled to a lot of discounts. You should definitely take advantage of these discounts.
As final words, all I can say is that there still are a lot of ways to further lower insurance prices. We just have to know how the industry works and how we could use our knowledge in reducing what we have to pay for. Just go online and ask for instant quotes from different insurance companies. This service if for free, and through this, I am quite sure that you would find the best cheap senior car insurance that would best fit your needs. You could also contact some independent insurance agents there in New Hampshire who are experts on this matter.
Car insurance for senior citizen
Do I Need Auto Insurance To Get Texas Drivers License
Reader’s Question:
I have recently moved to Texas and am planning to buy a car. Do I need to have an auto insurance policy before I can apply for a Texas Driver’s License?
Bill
Austin, TX
Yes, you have to have an automobile insurance policy before you can apply for a Texas Driver’s License. People applying for a Texas Driver’s License are required to present proof of automobile insurance coverage. Texas traffic laws require motorists to shoulder expenses for the accidents they get involved in. Texas residents meet this by availing of an automobile liability insurance policy. Automobile liability insurance pays for the costs incurred after an accident. These include hospitalization expenses to treat injuries, for you or the other motorist. Auto insurance liability coverage also shoulders the cost of repairs done or replacement of the other motorist’s car. You must have adequate liability insurance to pay up to $25,000 in medical expenses for one person or up to a total of $50,000 in medical expenses for everyone injured in the accident. You also must have a minimum of $25,000 automobile liability insurance coverage for repairs or replacement of the other party’s car.
Vehicle repair or replacement and medical expense can be very costly. For that reason, minimum automobile liability insurance might not be sufficient to cover your obligations if you are responsible for a serious accident. It would be smart to get higher auto liability insurance coverage, although this may result in a higher policy premium.
Loading ...