SR-22 Insurance - How to Find Cheap Rates from a High Risk DUI Insurer

A conviction for DUI usually results in the loss of your driver’s license and the termination of your auto insurance. In order to restore your driver’s license after all fines are paid, jail time is served, and classes are completed, you will need to procure a DUI SR-22 insurance certificate as proof of coverage. High risk insurance such as for DUI is usually two to three times as expensive as a traditional auto insurance policy.

Obtaining a cheap SR-22 insurance certificate can best be accomplished by comparing rates for high risk specialty insurance online. Since specialty insurers base their rates on several factors, such as your credit score, it can be helpful to repair any errors to maximize your rating. If you totaled your car as a result of driving drunk, consider replacing it with a vehicle which costs less to insure, such as a midsize sedan or a minivan.

Obtaining an SR-22 insurance certificate is proof from your specialty insurer that you have purchased the necessary liability insurance before you can have your driver’s license reinstated. Depending on your state of residence, you will need to maintain your SR-22 insurance certificate for three years.