How To Get Cheaper SR22 Insurance After DUI Charge

Reader’s Question:

I was charged for DUI recently and now I need to get SR22 insurance. My friends say that I may have to shell out a lot for this. Why is SR22 insurance more expensive and what can I do to get it cheaper?

Matt

Houston, TX

SR22 insurance is more expensive than any other types of insurance because it is given to high risk drivers. When a driver is considered high risk, an insurance company normally charges high insurance rates and premiums.

SR22 insurance is required among drivers who have been charged with major traffic violations. For instance if you have figured in a car accident and you were driving without any car insurance policy, then you will be required by authorities to request for SR22 insurance. The same goes if you were caught driving under the influence of liquor. Now, drivers with SR22 insurance do not have any choice but to pay the high premiums of SR22 since they need the insurance so that they can continue driving.

But fret not, since SR22 insurance can be cheaper. You can search for cheap SR22 insurance online. There are a number of websites offering affordable SR22 insurance online. You can even them without leaving the comfort of your own home.

You can also ask your insurance broker if he or she knows companies offering cheap SR22 insurance online. Some of the insurance brokers have affiliations with companies offering sr22 insurances on the Internet. These people can help you find insurances that would fit your budget.

How Long To Keep SR22 Auto Insurance in Washington State

Reader’s Question:

How many years do I have to maintain SR22 insurance in Washington State for a DUI offense? This is my first violation.

Ariel

Enumclaw Plateau, WA

The usual time that a motorist is required to carry an SR-22 is three years in the state of Washington. The reason that you are required to obtain the SR-22 may change the length of time you are required to maintain it though.

You can be required by the state of Washington to obtain an SR22 for different reasons from a driver’s license suspension reinstatement due to a DWI/DUI, accident without proof of car insurance or a second or subsequent violation of leaving a child unattended in a running car, etc.

The process you need to take to reinstate your drivers license after your DUI are determined by a lot of factors, whether you were previously involved in any DUI offense and your blood alcohol content.