Get Lower DUI Insurance In Connecticut
Reader’s Question:
I have suffered enough since I was convicted for DUI here in Connecticut. Now, I have to go through the pain of paying higher car insurance. What can I do so that I can have lower payment for my SR22 car insurance after my DUI?
Dave
New Britain, CT
The people who have had a DUI conviction can identify as to how expensive it could be. They have paid alcohol classes, their lawyers, court fees as well as alcohol evaluations and expenses for getting their driver’s license back. They think that they could go on with their lives after that, but they are mistaken. They now have to buy car insurance that has SR22 certificate.
No one needs added expenses in these tough times so you have to determine what can be done about it. You have to shop around and do your best to find the most affordable SR22 insurance quotes. Yes, you will now pay higher car insurance because of your DUI but you need to search for the lowest price possible being offered for DUI car insurance. You can look around different car insurance companies and ask for SR22 insurance quotes.
If you have other insurances, you can combine it with your SR22 car insurance coverage and get all of them from the same insurance company. Doing this can save you money since most insurance companies offer discount if you have several types of insurance coverage with them. Also, even if you already have DUI in Connecticut, you can still be able to get some savings of your car insurance if you install security devices in your vehicle, getting higher deductible and driving a low-profile vehicle.
Automobile Insurance Connecticut CT
Filed under: Cheap Connecticut SR22 Insurance, Connecticut DUI insurance
Reader’s Question:
I would like to know how long does a driving infraction stay on your record in the state of Connecticut?
Lance
Waterbury, CT
The Connecticut Department of Motor Vehicles (DMV) representative states that, minor violations stay on your record for three (3) years based on the date the court reports to them. Some major infractions though, such as a DUI, may stay active it stays on your record for a longer period of time, up to ten years in fact.
They Connecticut DMV also notes that out of state infractions are only reported to them if you fail to pay the traffic ticket. So it would appear that out of state infractions would not be placed on your Connecticut driver’s record or assigned points if you properly take care of the violation.
DUI Car Insurance Stamford CT
Reader’s Question:
I live in Stamford, Connecticut, How long does a DUI stay on your driving record in my state?
Dan
Stamford, CT
According to the Connecticut Department of motor vehicles records of traffic infractions on driving histories are maintained for 3 years for most violations, although some serious infractions may stay active on the driving history for 10 years.
It would appear that a DUI stays on your Connecticut driving record for the full ten years. Since state statutes can change over time you may want to contact the CT Department of Motor Vehicle to find out for certain the number of years a Driving Under the Influence conviction will remain on your driving record.
New Haven Connecticut SR22
Filed under: Cheap Connecticut SR22 Insurance, Connecticut DUI insurance
Reader question:
I have had my New Haven Connecticut SR22 policy for a year, and it’s time for my policy to renew. Am I better off sticking with the same company so that I can get a consistent customer discount, or should I start looking again?
Grace
Thanks for asking, Grace.
While it’s true that many New Haven Connecticut SR22 insurance companies do offer small discounts to long time policy holders, especially those with good driving records, it’s also true that these discounts are nowhere near large enough to make up for the differences in insurance rates among different car insurance companies. I am not saying that the company you have now is not the best: it may be, but you don’t know until you look. You are under no obligation to leave, just look up quotes.
It should be a habit for you to check on New Haven Connecticut SR22 car insurance quotes anytime you are ready to have your policy renewed. Rates change wildly within just a year or 6 months time, so you can gt big savings. You should also step out and look around if some change in your life occurs which could affect your premium, like getting married or buying a new SUV.
Cheers,
Fashun Guadarrama.
Hartford Connecticut SR22
Filed under: Cheap Connecticut SR22 Insurance, Connecticut DUI insurance
Reader question:
I sort of understand Hartford Connecticut SR22 insurance for non owner drivers, but let me see if I get it straight: it’s a kind of policy, right, that you get when you don’t own a car and it covers you so you can get your license back, but you can only get basic insurance? So why is it so expensive?
Laurel
Great question, Laurel.
I’ll add a few mor details to your already excellent description. Yes, the Hartford Connecticut SR22 non owner driver insurance only gives liability coverage, and it only covers you while driving cars which you do not own. The insurance attached to the car kicks in first in the case of the accident, and then your own insurance if the owner’s is insufficient, or if the owner was not insured at all.
Now, as to why the Hartford Connecticut SR22 non owner insurance policy is so expensive. You forget that his kind of policy is missing in its rating process the most important tool of them all: the vehicle. They cannot rate the vehicle you drive the most often, nor the one you usually drive, or intend on driving. They can’t rate any of these vehicles at all. So, they have to assume that you are going to be driving a vehicle that is more risky than the rest, and there you go.
Cheers,
Fashun Guadarrama.
Connecticut SR22
Filed under: Cheap Connecticut SR22 Insurance, Connecticut DUI insurance
Reader question:
What is the minimum coverage I MUST pay for in order to get a Connecticut SR22 insurance policy?
Jane
Glad you asked, Jane.
If you live and drive in Connecticut, and especially if you happen to have had your license suspended meaning you have to file a Connecticut SR22 form, then you need to have liability coverage on your vehicle (or for yourself if you don’t own your own vehicle). Here are the amounts of liability coverage required:
- Bodily injury liability: covers death and recovery expenses, medical costs, etc., for victim of crash (i.e. not you nor anyone in your vehicle)
- $40,000 per accident
- $20,000 per person
- Property damage liability: covers any problems caused to property, such as vehicle or fence, etc.
- $10,000
Now, if you want to go beyond just the liability insurance, you can also get a Connecticut SR22 policy with comprehensive and collision insurance coverages. Comprehensive provides you with coverage if your car is stolen or vanadalized, and collision gives you coverage if you crash your car and it is your fault.
Cheers,
Fashun Guadarrama.
Bridgeport Connecticut SR22
Filed under: Cheap Connecticut SR22 Insurance, Connecticut DUI insurance
Reader question:
I am not a frequent driver. My car is kind of a crap job, and I live close to a bus station, so I avoid it as much as possible. Last time I drove, I got in trouble, and now I’m supposed to purchase Bridgeport Connecticut SR22 insurance to reinstate my license. Like I said, I don’t drive much, but when I do drive, I really need my car. I just don’t want to be paying a hundred something dollars for only 2 days of driving a month, though, you know. What can I do?
Baxter
Great question.
I have several solutions for you which will allow you to get a Bridgeport Connecticut SR22 auto insurance policy for what I am sure is a cheaper price than what you anticipated. One is a discount, and the other is pretty much common sense, and from your question I can figure out that it’s likely that you already qualify for both of them. Here you go.
- Throw some coverage overboard.
With a car that you describe as a crap job, you don’t need a Bridgeport Connecticut SR22 policy which overinsures the thing. Any car that is worth less than $2k? As much coverage as possible has to go. Toss it until you arrive at the minimum, and you’ll save tons.
- Ask for the low mileage discount.
Unless you are driving a thousand miles a day during those two days a month that you drive, you probably can get a low mileage discount on your policy. Most companies give these out to customers who drive ten thousand miles or less in a year.
Cheers,
Fashun Guadarrama.
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