Car Insurance Experts

I was convicted of a DUI in Florida. How do I go about having my driver’s license reinstated?

Well, you first need to wait until your revocation period (180 days – 1 year) ends.  You will need to show proof of completion or enrollment in a DUI school to the Florida Department of Highway Safety and Motor Vehicles (DHSMV).  If you fail to complete the DUI class 90 days after you provide proof of enrollment, your driver’s license will be suspended again. You will also be required to pay a number of different fees such as an administrative fee ($115), reinstatement fee ($60) and a license fee. The fees you are required to pay can vary depending on the severity of your offense or if this is not your first DUI offense.

You must also show proof of the required amount of liability insurance coverage and file an SR-22 form for a period of three years.  You can find cheap Florida SR22 insurance by doing a bit of research online.  Make sure you compare quotes for at least 3-5 different insurance companies. Once you meet these requirements, you should have no problem getting your driver’s license reinstated.

SR-22 Insurance Florida

I am a 15 year old boy, and I cannot wait to get my driver’s license. What will happen if I get caught driving without a license in Kentucky?

It is never a good idea to drive without a valid driver’s license, especially if you are not even old enough to drive legally.  In Kentucky it is a Class B misdemeanor to drive without a driver’s license.  If someone allows you to drive to drive their car and knows that you do not have a driver’s license, they will also be found guilty of a Class B misdemeanor.  The punishment for a Class B misdemeanor in Kentucky is a fine of up to $250 and/or up to 90 days in jail.

Since you are a minor, getting caught without a driver’s license can prevent you from getting your driver’s license when you are 16.  If you get in to an accident, the insurance on the car you are driving will probably not cover you, and you could face thousands of dollars in damages.  Driving without a license is a very serious offense, so it’s best to wait until you are legally allowed to drive.

My 16 year old son was pulled over and got an MIP in Michigan.  Will our car insurance rates increase?

Well, that really depends on your auto insurance company.  Most insurance providers consider teenage drivers as high risk drivers because of their lack of driving experience, and your son getting an MIP will not help things.  The Michigan DMV will most likely suspend your son’s driver’s license, so paying for car insurance might not be your biggest problem. If he does get to keep his license your insurance company could still choose to drop him from your insurance policy if they feel he is too much of a risk to insure.

You can pretty much expect to see a large increase in your auto insurance premium.  It’s impossible to give you an exact dollar amount because every insurance company is different. You definitely need to contact your insurance company as well as the Michigan DMV to get everything straightened out with your son’s MIP charges.  

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I was pulled over this morning and got a speeding ticket.  How much will my auto insurance premium go up?

There is no set amount that your insurance premium will increase if you get a speeding ticket or are convicted of any other moving violation.  It really just depends on your insurance company and your previous driving record. If this is your first ticket, your insurance rates will probably not change or you will only see a small increase.  If you have received multiple tickets, your insurance rates you will probably see a larger increase.

Every auto insurance company has a different policy.  Some will base the increase on the severity of your offense and some will raise your rates a certain amount per violation.  Some states have laws that prevent car insurance providers from raising your rates after only one ticket or violation.  If you have questions about your insurance rates, you can call your insurance provider and ask them what their policy is.

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I was pulled over for a DUI last month in Ohio.  Will getting a DWI attorney help reduce my charges?

Getting a DUI attorney could help you reduce your charges and make the whole DUI process a little bit easier on you.  If you feel that you were wrongly accused of driving drunk, getting a DUI lawyer will definitely help and could even get the charges dropped completely.  Remember, hiring an attorney is not cheap.  You could possibly spend thousands of dollars on a good DWI attorney, so you might want to consider the expenses before you decide to go down that road.  Getting a DUI is very costly with all of the fees, fines, and SR22 insurance expenses you have to pay.

Every case is different, and it is up to you to decide whether or not hiring a lawyer will really benefit you in the long run.  You could call an attorney and set up a consultation to explain your situation to them.  They will be able to tell you if they can help reduce your DUI charges.

What are the special discounts that auto insurance companies offer for teens and student drivers?

As a student or a young driver, auto insurance can be very expensive, but there a few special discounts that some insurance companies offer just for student drivers.  Every insurance company offers different discounts and some discounts are only valid in certain states.  You can ask your insurance company which discounts they offer that you might qualify for. Here are some examples of some auto insurance discounts that you might you might qualify for as a student or teen driver:

1)    College Graduate Discount

2)    Good Student Discount (requires B average or better)

3)    Student Away at School Discount- if you are away at college without your vehicle and don’t drive very often

4)    Safe Auto Discount – you could qualify for a discount if your auto is equipped with any of these standard safety features: air bags, anti-lock brake system, anti-theft system, or daytime running lights

5)    Defensive driving discount – you can save if you have proof of completion of a defensive driving course

These are some discounts that you might find helpful in finding affordable student auto insurance.  Ask your current insurance provider what special discounts they offer to make sure you are getting the cheapest rate possible.

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I have Colorado SR22 insurance and my 16 year old daughter is about to start driving.  I am worried about the cost of my auto insurance with the SR22 filing and a teen driver on the policy. What can I do to make my auto insurance premium more affordable? 

I know that the cost of SR22 insurance alone is pretty high, and adding a teen driver to your policy is going to make it even worse.  There are a couple things you can do to find a cheaper auto insurance rate and hopefully make your monthly payment a little more bearable.  Since you have a Colorado SR22 filing, you are going to be seen as more of a high risk driver, so it is important that you keep your driving record clean from now on.  The longer you go without a ticket or an accident, the cheaper your SR22 insurance will be. 

The key to finding cheap auto insurance for a teen driver is getting them the right kind of car to drive.  The type of vehicle is a huge factor in determining how much your teen’s auto insurance will cost. Here are a few tips for choosing the right kind of car for a young driver. I always recommend a car that is 5-7 years old. You don’t want to insure a teen on a new car because the insurance company is going to charge you outrageous prices, and you don’t want a car that is too old with no safety features such as airbags.  You also don’t want a car that is too small and light or a giant SUV.  SUVs have a tendency to roll if driven too fast around corners and they also cause more damage in an accident which costs the insurance company more to fix.  Even though your teen might not like it, it would probably be the most economic choice to have them drive a minivan or a large 4 door sedan. You can check out a list of the best cars to insure a teen on Here. 

If you want to get an idea of how much insurance will cost you for different types of vehicles, just compare a few quotes online.  Online auto insurance quotes only take a few minutes to complete and will give you a good idea of how much you can expect to pay to insure different cars.

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I got a DUI and my Florida driver’s license has been revoked. Will I still be able to keep my current insurance and vehicle registration?

Once your current auto insurance company finds out that your driver’s license has been revoked, they will most likely cancel your policy. This usually happens once your policy is up for renewal.  If your company drops you, you probably won’t find another insurance company to insure you during your revocation period. If you are going to get a restricted license permit where you are allowed to drive to school or work, you will have more of a chance of getting insurance coverage.

If your car has a co owner, they should be able to insure the car under their name and exclude you as a driver.  This is one way for your car to remain insured.  As far as the registration, that will vary depending on which state you live in. Some states will not allow you to register a vehicle without a valid driver’s license and some will.  You always have the option of putting someone else’s name on the title of your car and have them register the vehicle.

Remember, even if you are able to get your car insured and registered while your license is revoked, that does not mean you can drive the car.  If you get in to an accident while driving with no driver’s license, your insurance company will not cover the damages and you will be in even more trouble with the government.

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What are the cheapest cars to insure a 16 year old driver?

Auto insurance can be very expensive for a teen driver, but finding the right car can make it much more affordable. Here is a list of cars that are cheaper to insure a teen driver:

Buick LeSabre

Mercury Grand Marquis

Oldsmobile Silhouette

Honda Odyssey

Volvo S40 4dr Sedan

Saturn ION 1 4dr Sedan

Dodge Caravan SE 4dr Minivan

Oldsmobile Bravada

Buick Century

Saturn L300 1 4dr Sedan

There are a lot of different options out there for teen drivers, so make sure you do plenty of research. Compare quotes from a few different insurance companies and for a few different kinds of cars, and you will have much more of a chance at finding cheap teen auto insurance.

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I was two days late paying my bill for my Geico auto insurance. I went on line and paid it, but it says it has been my policy has been cancelled. Will my policy be reinstated because I made a payment or will it be cancelled permanently?

You definitely need to call your insurance company immediately! Chances are they won’t just reinstate your policy after you pay it online.  You need to actually speak to a representative and explain to them that you did make a payment and why it was late.  Hopefully, they will reinstate your policy with no problems, but every insurance company handles this type of situation differently. Some insurance companies are more lenient about reinstating policies, especially if you were only a couple days late and some will permanently cancel your policy the first day you miss a payment. 

If Geico will not reinstate your policy, you will have to get insurance through a different insurance company. Most companies will charge you higher rates for a driver that has had an insurance policy cancelled for any reason.  That is why it is so important to pay your premium on time every time.  Most companies will allow you to do an automatic bank draft so your policy is never late, so that might be something you want to look in to.

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I am getting married soon.  Should my husband and I combine our auto insurance policies in to one?

I think it’s always a good idea for a married couple to get rid of their individual auto insurance policies and just have one policy with one company.  Usually insurance companies will reduce your rates when you add your spouse to your policy, and it is much cheaper for both of you to be on one policy rather than having to pay two separate premiums that are most likely going to be more expensive.  The only way that this would have a negative effect on your insurance cost is if your husband/wife has a very bad driving record.

Luckily for you, insurance companies see married couples as more responsible and less likely to file a claim or get in to an accident.  It is very common for an auto insurance company to lower your rates when you get married.  If you are planning on combining you and your spouse’s insurance policies, make sure you compare quotes from a few different companies before deciding on which one to go with.

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Can getting good grades help lower my Ohio SR22 insurance premium?

Yes, having a good GPA or good grades in school will definitely help get you a cheaper SR22 insurance rate.  Insurance companies refer to this and the good student discount, and most companies require at least a B average or better in order for you to qualify for this discount.  Good students are seen as more responsible and less likely to get in to accidents or to receive speeding tickets.  Teen SR22 insurance is not cheap and the good student discount is a great way to help make your premium more affordable.

The insurance company will usually ask you what your grades are to see if you qualify for the discount and will require you to show them proof of your grades by sending in a copy of your report card.  If you are looking to save on your Ohio SR22 insurance the good student discount is one of the best ways to do it.

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Why is my teenager’s SR22 insurance more expensive for a sports car?

Insurance is already expensive enough for a teen driver, especially if they have an SR22 filing.  Insurance companies charge more to insure a teenager driving a sports car because statistics show that young drivers in fast, sporty cars are more likely to drive irresponsibly.  They are more likely to get in to accidents and get tickets if they are driving a high performance sports car.  Insurance is based on risk and an inexperienced driver in a sports car is considered high risk.

It is never a good idea to have your teen driving a sports car unless you want to pay outrageous SR22 insurance prices.  The more expensive the car, the more expensive your SR22 insurance is going to be.  You might want to reconsider the type of car your teen is going to be driving.  A slower, more economical car is safer for them and must more affordable to insure.

Affordable Teen SR22 Insurance

If I get a DUI in Arizona, how many points will be added to my driver’s license? Will I have to get SR22 insurance?

The points system for the state of Arizona ranges from 2-8 points per offense depending on the severity of the offense.  According to the Arizona Department of Transportation, a DUI offense will add 8 points (the maximum) to your driver’s license, and you will probably have your license suspended on top of that.

You will most likely have to file for SR22 insurance in order to have your driver’s license reinstated.  You may also be required to pay certain fees and fines such as a driver’s license reinstatement fee before you can get your license back.  Filing for SR22 insurance will provide proof to the Arizona DoT that you have the required minimum amount of liability insurance coverage.

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Does where I live affect my SR22 Insurance Premium?

Yes, your location is a huge factor in determining your SR22 auto insurance premium.  You will notice a drastic difference in SR-22 insurance prices in different states.  SR22 insurance might be cheaper in Texas and more expensive in California.  It just depends.  Insurance companies look at statistics for the area where you live to see if there is a high crime rate or a large amount of claims filed.  Because of this, insurance rates can vary greatly even among different zip codes.  You might find that your insurance is cheaper than your friend’s who has the same car and driving record.  Chances are, your friend might live in an area that is more likely to have a vehicle stolen or something like that. 

Another thing that insurance companies look at is what type of residence you live at.  If you live in an apartment, your SR22 insurance premium might be even higher because apartments tend to have a high crime rate.  On the other hand, if you live in a very expensive neighborhood that has a low number of claims, your SR22 insurance will be cheaper. Remember, if you move, your auto insurance will probably increase or decrease depending on the area.

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What can I do to get cheap Michigan SR22 auto insurance?

There are numerous things you can do to save on your SR22 insurance. First, call your insurance company and ask them exactly how much coverage you are currently carrying. With an SR22 filing, you only have to carry the minimum liability insurance coverage required by the state of Michigan. If you have more than the minimum required liability insurance or you have full coverage insurance, you might consider lowering your coverage amount. The less coverage you have, the cheaper your SR22 insurance will be. This is a very good idea if you a driving an older car that is not worth very much money. Unfortunately if you are driving a car that you have financed, you will be required by the bank to carry full coverage, which is considerably more expensive.

The best way to save on your Michigan SR22 insurance is to make sure you shop around and compare as many quotes as possible. The more insurance companies you look at, the better chance you have of finding really cheap SR22 insurance.

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What is the best insurance company for my New Jersey SR22 filing?

There isn’t one set insurance company that is better than all of the rest or there would only be one insurance company in business.  Every company is different and every driver’s situation is different. You might find that Geico or State Farm is good for your friends and family but Progressive or Allstate might be better for you.  There are so many different companies and so many different SR22 insurance coverage options that it is important that you do as much research as possible before deciding which company to file your SR22 form with.

I would go online and compare quotes for 3-5 different insurance companies to see which one offers you the cheapest rate, and the one that offers you the lowest price is the best SR22 insurance company for you!

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I just turned 16 and got my driver’s license.  Do my parent’s have to add me to their policy if I drive one of their cars that already has insurance?

Teen driver insurance can be very pricey, so I understand why you want to avoid paying high dollar for insurance if you don’t have to.  Unfortunately the answer is yes, since you live in your parent’s household, your parents are usually required by the insurance company to add you to their policy even if the car you are driving already has insurance.  In most cases, people are allowed to drive other people’s cars while being covered under their insurance, but this is not the case for people living in the same household. 

Let’s say you are driving your parent’s car without being on the insurance and you get in to an accident.  The insurance company will probably come back to you and say that they will not cover you because you were not on the policy and you live together. I believe that this is a rule set by the insurance companies, not by the state.  I would call your parent’s insurance company just to make sure what their rules are regarding your situation.  You might find an insurance company that doesn’t require you to be added to your parent’s insurance, but I highly doubt it.

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Will my SR22 insurance premium be cheaper if I am married?

Typically, your SR22 insurance, as well as your regular auto insurance, will be cheaper if you are married. Most married couples have cheaper auto insurance rates than couples that are not married and the same goes for SR22 insurance.  Statistics show that married people tend to be more responsible and usually file claims less often than unmarried people, so insurance companies are more likely to give them cheaper rates. If you are married, you are most likely going to be sharing one insurance policy with your spouse, and insurance companies usually give lower rates when you have multiple people on one policy.

You will have the best savings on your SR22 insurance if you are married to someone that has an excellent driving record.  SR22 insurance is still more expensive than regular insurance, so make sure you and your spouse look at all of your options when searching for your SR22 insurance company.  Don’t accept the first quote you receive because you will probably find a cheaper one somewhere else.

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What will happen if my insurance company terminates my SR22 insurance before my filing period is over?

If your insurance is cancelled your SR22 insurance policy for any reason, whether it be because you cancelled it yourself or because your insurance company terminated your policy for non payment, it can pose a big problem for you.  Once your SR22 insurance is cancelled, the insurance company is required by law to notify your state’s DMV.  One notified, the DMV will most likely suspend your license again.  You will have to go through the whole driver’s license reinstatement process all over again if this happens, and you will have to re-file your SR22 form.  It’s pretty simple to avoid all this hassle.  Just make sure you pay your SR22 insurance premium on time each month and you shouldn’t have any problems.

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