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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Want to learn more about getting cheap car insurance for young drivers?

Visit Cheap Car Insurance For Young Drivers to learn how to get the best (and cheapest) car insurance for young people and teenagers. Knowing just one of these tips can save you thousands of dollars in insurance premiums each year!

Benny

Tucson Arizona

Cheap car insurance is possible! Understanding how to to make changes on your car insurance policy can surely stretch your hard-earned money, without having to remove some essential coverage in your policy. Here are some important tips to help you out get cheap car insurance rate in Tucson Arizona.

1. Choose a higher car insurance deductible. Just make sure that you can still afford the highest deductible in the event that you need to file a claim in the future.

2. Drive a safe car. You can do this by installing anti lock break system and anti theft devices on your car. This can lower the risk of car theft and any other serious injuries in case of an accident. The lower the risk to insure, the lower the car insurance premium.

3. Use the internet to find the cheapest car insurance rate in Tucson Arizona. It is best place to shop for car insurance quotes because it is very easy, convenient and most of all, free.

4. Make sure you maintain a good credit score. People with good credit are seen as more responsible and less-risky drivers.Make sure you pay all your bills on time.

5. Maintain good driving record. Taking defensive driving class will not only improve your driving habits but will also give you car insurance discounts. Maintaining a good driving history is also a good way to get affordable car insurance rates for in the long run.

6. Reduce you mileage. Some insurance companies provide discounts if you do not very often use your car. Carpooling is one way to minimize your mileage.

7. Ask for discounts. If you do not ask for discounts, you will not get any. Most insurance companies will not tell you all the discounts available so if you do not ask them about it, you will not get it. Discounts is a great way to save on your car insurance premium.

Anna

Scottsdale, AZ

Im sure you know by now that teenage drivers are usually charged more than a mature driver with more driving experience. The reason for this is because take statistics into account when determining car insurance for young drivers. According to statistics, the accident rate is high among teen drivers especially those who are just beginning to drive. Young drivers are placed on high risk category because of the risk they posed to car insurance companies.

This may be the case, there are still ways to get cheap car insurance for young drivers. The following are some of the ways you can do to get your car insurance premium cost to a minimum:

1. Keep a good driving record. Drive responsible. You can take defensive driving course as well so you can get discount from insurers. IN the long run, if you maintain a clean driving record, you will surely get the good driver discount as well.
2. If you get an average of B or higher in school, you can also add saving to your car insurance premium. This is usually call good student discount. Not all insurance companies offer this though so it would be helpful if you ask them if this is available in your state.
3. Drive a safe car. One of the factors that car insurance look into other than the driver is the cr you drive. Make sure you get a cheap and safe car with safety features and anti theft devices installed. This will save you a lot of money, believe me.
4. Lastly, it is best to shop around for car insurance before buying. A lot of insurance companies out there would be competing just to get your business. So, getting cheap car insurance for young driver may not be as hard as it seems. Get a quote from several car insurance companies so you can compare easily which companies offer the best rate that suits your needs.

Is it possible to get cheap car insurance in Arizona? I am quite horrified with the high insurance rates car insurers are offering me for my vehicle. Thanks.

Mae

Phoenix AZ

Yes, getting cheap car insurance in Arizona is very much possible. You may have just overlooked several things that resulted in you getting expensive car insurance quotes from various car insurance companies. Once you are able to correct on your probable mistakes, then you might have a greater chance of getting an affordable car insurance policy.

You have to shop as extensively as you can. Ask around- your colleagues, other vehicle owners, friends, and neighbors can help you in identifying cheap car insurance companies in Arizona. You can also surf the Internet to find websites that offer cheap car insurance in your area.

Another key to getting cheap car insurance in Arizona is to prove that you are a responsible driver. You can present a good driving record to back up your claim. You can also show that you can pay your car insurance premiums on time by showing your good credit rating. This way, you are proving your worth as a policy holder to any car insurance company in Arizona.

Tammy

Phoenix AZ

Looking for an auto insurance company in your local yellow pages may be limited, not to mention time consuming and disappointing. In most cases, people tend to end up buying auto insurance policy with the first company they call because they do not want to go through all the process all over again with the different company.

Looking for auto insurance company online is your best bet, it can save you time and you can be sure that you’ll get the cheapest auto insurance quote. There are plenty of insurance companies online. It is important to compare car insurance quotes in order to get a cheap car insurance rate for the best policy. Even though you rarely use your car or you have a good driving record, it is by law that you need to get insurance for your car.

Obtaining quotes online is quick and easy since you only have to fill up once and you can get quotes from different insurance company. Calling your local insurance company for quotes will eat your time. In most cases, you will be required to wait on hold just to be transferred to the right department, but it does not end on that…you have to give your personal and vehicle information over and over again.

Don’t limit yourself on yellow pages, get it online and it can save you hundreds of dollars not to mention the time you saved.

Jason

Tucson, AZ

Jason,

The Arizona Division of Motor Vehicles states that any convictions acquired and appearing on your driving record within the past 39 months will be provided to an insurance carrier who requests a copy of your motor vehicle record.

The time period that your DUI auto insurance rates will be affected will depend on the rating system and the look back period of your insurance provider. If your insurance company can see the DUI on your motor vehicle record for 39 months then it will likely that you will have higher DUI auto insurance rates during this entire period.

Once you buy an auto insurance an underwriter can tell you how long your DUI car insurance rates will be affected by the drunk driving conviction. You can always shop around for cheap car insurance if you think your current DUI auto insurance rates are too high.

What can I do to get a cheaper auto insurance rate if I have a DUI on my driving record?

Gary

Peoria, AZ

Gary,

Driving Under the Influence is a serious offense so if you get convicted of DUI, it will greatly affect your car insurance since you be considered a high risk to your car insurance provider.

Non-standard insurance providers specialize in the higher risk drivers, or those with serious offense on their driving record. You can get car insurance quotes from these insurance companies.

If you want to get cheap car insurance rates after conviction of DUI, you may shop around for car insurance quotes. Make sure that you ask for any available discounts to you. Some discounts that you may take advantage of are: safety features on your automobile, traffic courses or driver improvement, anti-theft devices, etc. Auto Insurance discounts vary from one insurer to another so be sure to ask what are available to see if you can get cheap car insurance rates by applying the most discounts available to your car insurance policy.

How do you find cheap car insurance for high risk drivers?

Kim

Sedona, AZ.

Kim,

 Well, it is easy, but first you need to define what would classify you as a high risk driver. You would think of a high risk driver as someone with lots of speeding tickets, or accidents. But did you know that you can be a high risk driver based on your age?

Many teens and younger people are classified as being a high risk driver just because of their age. This is primarily due to the fact that young people, teens in particular, don’t have a lot of driving experience. Also, being above a certain age, as in elderly adults, can affect your car insurance rates.

 It is the best practice to be honest with your insurance agent when

talking to the about your past driving history. If they find out later that you lied, or didn’t tell the whole truth about your driving past, they often times can, and will, cancel your car insurance policy.

Excellent Question