Posted on: 26 February 2019
Your driver's license can be suspended for a number of reasons, such as a DUI conviction or multiple moving violations. Driving after your driving privileges have been restored means finding proper insurance coverage. This can be confusing at times, but learning some basic information can help you get back on the road while still following the letter of the law. Here are a few things to know about getting insurance once your license has been reinstated.
Cost of Insurance
The cost of insurance typically goes up after your license has been suspended. Insurance companies are taking a bigger risk by insuring someone who's had serious legal issues while driving. The good news is that insurance can still be obtained, but you'll likely pay more than you did before. For example, the average cost of getting insurance with a DUI is $2,610, which is an increase of roughly 80 percent. It's a good idea to compare rates of different insurance companies to ensure you are getting a policy you can afford while still meeting your states minimum coverage requirements.
When you get insurance, you will need to have information filed with the state to prove you are currently carrying insurance. SR22 filing can be done through your insurance carrier, but it's still your responsibility to make sure the paperwork is submitted. Work with your agent and be honest about your need for an SR22 form when you sign up for your new policy. Request proof that the paperwork has been submitted. Without an SR22 filed with the state, you may be uninsured even if you've paid your premiums on time.
Drive With Caution
Driving with caution is essential for keeping yourself and others on the road safe, but it also provides you with additional benefits. Following the rules of the road can help you prevent further infractions that might prevent you from keeping your license, and it can also signal to your insurance company that you are less of a risk. Once the period of time you are required to file an SR22 form has passed, you may be able to negotiate better insurance policy rates. Having a clean driving record can go a long way toward providing you are less of a risk than when you initially purchased your policy. Check with your insurance agent or the secretary of state to determine how long you will need to keep an SR22 form on file.Share