Georgia Auto Insurance After DUI Conviction
Q: I’ve had the same SR22 ins rate forever and can’t figure out how to get a better price. What do I do? Where do I get Georgia auto insurance after my DUI conviction?
A: Your car insurance company wants you to pay a lot of money for your SR22 ins, and will find whatever way it can to make you do so. Collisions. Your teen getting his or her license. Claims. Lack of a garage. The new car you have, your new job which is farther away. Anything from this list and more can get you a hire car insurance rate. You can’t directly control when they raise their prices, but you can make a disincentive for them to do so by, as they say, voting with your feet.
You can stay with the same company for years and watch your rates go up, or you can look on the other side where the grass is greener. Instead of silently consenting to a raise in your SR22 ins rate, look for a new company. Most Americans pay four hundred dollars more than they need to on car insurance, all because they don’t shop around. Don’t be one of them.
Cheap SR22 Auto Insurance For Older Cars
Q: My car is old, but I still need it and my premium’s are still high. How can I get cheap SR22 auto insurance on this older car?
A: Good question. When you have an old car, you have to take into consideration a couple of things. First of all, what kind of safety features does it have? Even the basics such as seat belts and air bags will save you money, but if you can have anti lock disc brakes installed as well, that’s another good step.
Second of all, how much is it worth? Check Kelley’s Blue Book and see. If your car values less than a thousand dollars, then it’s time to cut off the fat. A thousand dollar car doesn’t need comprehensive or collision insurance, and you can get by fine with just the minimum liability. Otherwise, you’ll be spending more each year on your supposedly cheap SR22 auto insurance than you would get back if you just sold the thing.
How Can I Get Cheap SR22 Insurance Coverage?
Q: I’m actually not a bad driver, but I have to file SR22 insurance because some guy ran into me when I was uninsured and the police caught it. I can’t afford these high rates. How do I get cheap SR22 insurance?
A: Since you have a good driving record, you are able to more easily take the risk that millions of people take every year because it is less likely to affect you. That is to raise the deductible on all of your non liability coverages.
Many people opt for the lowest deductible when buying car insurance because they feel that they don’t want to have to depend on coming up with a couple thousand dollars in order to pay their medical bills when they get into a bad accident. This is a valid concern, but if you raise your deductible to at least $1000 on your comprehensive and then on your collision coverage, then you can save around a hundred dollars a month in many cases and that money can be set aside for emergencies like car accidents.
Do Late Payments on Car Insurance Affect My SR22 in Georgia?
Q: I’m not sure if I can pay my car insurance this month. The problem is that I have an SR22 form on file, so I’m wondering if this will affect me worse.
A: Well, the whole point behind that SR22 form is that you are required to prove that you have car insurance in order to continue driving. If you allow your car insurance to lapse or be cancelled, then you will lose your license. While in many cases you can get it back, it will be a lot of hassle and cost more than just paying your premium would have.
Allowing your car insurance to lapse does more than just that. It leaves a mark on your insurance record which will last even after you are required to file the SR22 form, because if you fail to pay your premium it goes on your credit report. Future companies will see this, note that you are unreliable, and proceed to either charge you more, or not give you car insurance at all.
Instead of taking a defeatist attitude, be proactive. Call your car insurance company and see what ways they have for you to save money. If all else fails, start shopping.
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