I am having a hard time getting affordable DUI insurance and I’m about to lose hope. How can I get the best car insurance rate now that I have a DUI here in Florida?

Ken

Hialeah, FL

Drivers who have been found guilty of driving under the influence or DUI are required to get a DUI insurance policy from a car insurance company. DUI insurance or SR22 insurance is typically a lot more expensive compared to other forms of car insurance due to the fact that it is issued to high risk drivers. The high rate of DUI cases also causes the continued increase of DUI insurance rate. For drivers who want to get a more affordable DUI insurance, they can try looking online for specialized SR22 insurance firms.

The fact that DUI insurance is issued to high risk drivers is a reason why car insurance companies charge high rates on those who have this type of insurance. In fact not all car insurance companies are willing to issue DUI insurance to drivers caught for DUI. Since drivers caught for DUI are considered high risk policy holders, car insurance companies charge high rates on them.

The resurgence in the number of DUI cases is also another factor why it is very hard to obtain affordable DUI insurance. As more and more drivers are caught driving under the influence, car insurance companies are faced with more risks, and the only way they can counter this to protect their business is to increase their DUI insurance rates.

Drivers in Florida who need DUI insurance should be thankful that there are still companies that offer lower DUI insurance premium. Many of these specialized DUI insurance companies have their own websites, allowing drivers to easily shop and purchase for cheap DUI insurance policies.

To get the best deals, drivers are recommended to compare as many cheap DUI insurance quotes. By giving more time to shopping and comparing DUI insurance quotes, drivers are guaranteed to purchase the best DUI insurance rate in the market.

My new job requires me to travel a lot so I may have to rent a car if necessary. Will my car insurance here in Florida cover me in case of an accident in a rental car?

Darien

Miramar, FL

There are some things that you have to know about rental auto insurance before you do rent a car. Car insurance coverage differs from one provider to another. Certain insurance policies could not cover rented cars but others would cover the damage you may cause to any vehicle that you drive, including a rental car. Your auto insurance in Florida could also protect you against liability claims up to the policy limits.

Even if your auto insurance will give coverage, you have to find out exactly who is covered. You and other listed drivers on your auto insurance policy may be covered while driving a rental vehicle. And you can also check if other drivers may be covered as well. One good way to know for sure is to ask your insurance provider or broker. You may ask the rental company about insurance coverage that they offer if the people you are traveling with are not covered. You may also go over your auto insurance policy’s fine print to check if there are any restrictions to rental auto coverage. Certain policies could cover a rental vehicle only when your own automobile is stolen or being repaired.