Way On How To Lower DUI Car Insurance in Michigan

Reader’s Question:

My brother-in-law seemed to suffer paying his car insurance when he was convicted for DUI. I’m afraid I would have to be in the same situation he was in because I was just recently charged with DUI here in Michigan. In case I get convicted, is it still possible for me to get affordable car insurance?

Lance

Clinton, MI

The worst possible situation you could be in when you get convicted for drunk driving or DUI in Michigan is to be tagged as a high risk driver. This means you have to pay higher premiums for your DUI insurance than others who are in a different driver category.

When you are ready to get your driver’s license back and about to get car insurance after your license suspension, you will be asked to get SR22. This is a proof of insurance and a guarantee from your car insurance carrier to the DMV that you have at least the minimum insurance required in Michigan. Not all car insurance carriers offer SR22 insurance so you may need to find one that does. But then again, your SR22 car insurance would be more costly because of your DUI.

But that doesn’t mean you can’t do anything about it because you could still be able to get affordable car insurance even if you have DUI. All you need to do is to take some time to shop around for car insurance that you can afford. Of course, that will not be easy, but it is also not impossible. Because of the advancement of the Internet, drivers in the worst situations get unbelievable bargains for their DUI insurance. You can begin by looking online for the right car insurance carrier. Make comparisons among DUI car insurance quotes from different car insurance carriers. Look at the car insurance coverage they offer and check what could be the best possible bargain that you can have. Other car insurance carriers are not that strict, depending on the severity of the DUI case. If you maintain a good driving record for two-three years, you would not have to carry the burden of paying higher car insurance because of your DUI.