High Risk Car Insurance – High Performance Car With DUI
Reader question:
I can’t find a car insurance company that wants to insure my high performance car. I have a DUI from a couple of years ago and need an SR22. How do I get high risk car insurance?
John
Great question, John.
It’s hard enough to find good, cheap car insurance coverage when you have a high performance car, and it is also difficult when you have a DUI and need to file an SR22 form for your auto insurance coverage. However, combining the two means you are a double risk, furthering your complications with finding quality car insurance coverage. It will be much more difficult for you to find this coverage, but it can be done.
First of all, how hard have you been looking? Have you gone online and gotten auto insurance quotes from several different car insurance companies? If even that didn’t work for you, then what you might want to do is call up your state department of insurance and ask for a list of car insurance companies in your state that are licensed by the department to do business. You can also find a list like this online. However, if you call you might be able to ask for recommendations for someone looking for a high risk car insurance company.
If the companies on the list don’t prove helpful, then you might have to resort to the final option, which is joining your state’s high risk car insurance pool. Every state has one of these pools and it should be avoided unless you truly have no other option, because insurance through the high risk car insurance pool often costs much more than regular car insurance, even if it’s with the same company. These high risk car insurance pools randomly assign people to regular car insurance companies that might otherwise not have accepted them. If you have to resort to this option, though, remember that there are plenty of other ways you can lower your high performance SR22 car insurance premium price.
Cheers,
Fashun Guadarrama.
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