If you have been convicted of a DUI or DWI offense in Florida, it's important to consider your insurance options wisely. If you have a DUI violation, your rate will increase. Insurance companies may consider drivers who drive under the influence of alcohol to be more risky when it comes to insuring or even refusing coverage. Some insurers recommend Progressive to customers with a DUI, as we accept drivers who are driving under the influence of alcohol and only increase rates by a national average* of approximately 13% after a DUI.
You can also get a discount for combining your car insurance with your homeowner's or renters policy at the same insurance company. The minimum car insurance policy provides adequate coverage, but you'll still need to insure your vehicle with minimum liability car insurance. Regardless of how you classify it, a DUI is a criminal offense or criminal complaint that can result in heavy fines, losing your driver's license, and having your car insurance company increase your rates or reducing it completely. Before looking for new car insurance after a DUI, review your state's minimum car insurance requirements laws.
When they do, there are personalized car insurance options and steps so you can get legal insurance and a driver's license again. You may have been able to reinstate your license, but you were denied car insurance for whatever reason. Insurers consider those convicted of drunk driving as high-risk drivers and, therefore, it is more expensive to insure them. A drunk driving conviction isn't the only reason a court can demand an SR-22 (or, in Florida and Maryland, a similar document called FR-4), but if you apply for one from your insurance company, you are effectively notifying you of your conviction.
Whether your car insurance premiums have gone up too high or the insurer has reduced it, you'll want and need affordable policies. However, since many companies don't insure a driver after a DUI, the phrase is commonly used to draw attention to the incident when looking for car insurance. In many states, your insurer will have to file a form with the state's department of motor vehicles or insurance to prove that you have car insurance after your DUI. While there is no insurance provider that attracts drivers for driving under the influence of alcohol, you can save money if you consider the typical consequences of a DUI in car insurance.
This is a list of the many considerations that should be considered when car insurance companies determine their auto insurance rates. After your DUI, your license has been suspended, your car insurance policy premiums have increased or decreased, and you have resolved all state penalties. While one way to keep car insurance premiums low after a DUI is to get only the minimum insurance policy needed in your state, you may choose or need to keep maximum coverage. Far from that, the SR-22 is an official document provided to you by your insurance agent or auto insurance company.