Getting car insurance with DUI?

When an insurance company wants to know if you've had any DUI's in the last 10 years, can they really find that out or are they just hoping you're stupid enough to tell them? Because I live in Pennsylvania and am pretty sure it comes off your driving record after 3 years, but if you have a second offense after 10 years, it is treated as a first offense. Is this correct?
And the DUI was in New Jersey and was a first offense, so I wasn't penalized for it in Pennsylvania, I just couldn't drive in Jersey for 7 months. So I believe it is on my Jersey record but not my PA record. Can the Insurance company find out?

Finding cheap car insurance for young drivers can drive some people crazy. Insurance rates are sky high and they actually tend to go through the roof especially if you are a young driver. It is a fact that people between 16 to 25 years of age tend to have the toughest time in finding reasonably priced car insurance.

The reason for teenagers being offered the highest interest rates that they are considered in the high risk group as they are the least experienced behind the wheel. Therefore, they tend to have poor judgment because of the lack of expedience which makes them more prone to accidents than any other age groups. This criterion is considered by the insurance companies. So you must be wondering if cheap car insurance for young drivers is possible or not? Well, keep reading.

It will interest you to know that there are certain ways in which you can lower the insurance premium even though you are a younger driver. There are several insurance companies which tend to give discounts to students with good academic record. The reason for this is students who are responsible in their studies of considered responsibility even on the road and therefore are less prone to get into any freak accident. This is your best choice in ensuring that you get cheap car insurance for young drivers.

The car which you are interested in getting insured is also important. If you’re planning to buy a car it is advisable to steer clear of the new models and opt for something old. The reason for this is that new cars are less likely to get stolen and also do not cost a lot to repair if damaged. All these factors are considered while trying to get inexpensive auto insurance policies.

Getting cheap car insurance for young drivers doesn’t have to be hard. By knowing which discounts are available to teenage drivers, there’s a much better chance of paying the lowest rate possible.

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What is SR22 and how long  will it stay on my record?

Alcohol is a major factor in traffic accidents. Alcohol and Trauma is a major cause of mortality and morbidity in the United States and alcohol plays a big role in accidents and injuries. Alcohol Regulation Laws differ in their limits from one state to another.

Every day, 36 people in the United States die, and approximately 700 more are injured, in motor vehicle crashes that involve an alcohol-impaired driver. Males: Male drivers involved in fatal motor vehicle crashes are almost twice as likely as female drivers to be intoxicated with a blood alcohol concentration (BAC) of 0.

SR22 Insurance Requirements SR22 insurance requirements do vary by state but in most cases you’ll be required to carry the SR22 auto insurance for a minimum of 3 years after a DUI related offense. That means that for 3 years from the date your drivers license was re-instated you will be required to carry the mandatory SR22 car insurance policy. We have compiled all the car insurance requirements on a state-by-state basis so you can see at a glance what the minimum coverage is and what other regulations you may need to comply with in your home state.