DUI and SR-22 Insurance Nevada NV
Reader’s Question:
I need advice for a friend who just got slapped with a suspension for a DUI here in Nevada. She’s still shaken up about the whole deal. I’d like to talk her through this one.
Frieda
Reno, NV
Hi there, Frieda. That is certainly a nice gesture, helping out your friend in Nevada. Well, we all know that driving under the influence is not acceptable behavior. We put not only our own lives at stake but also those of the people on the road at the same time as us. If a motorist is caught and found guilty of impaired driving due to alcohol intake, the courts slap the motorist with a license suspension that could range from 30 days to a year.
Okay, one thing that your friend has to realize is it won’t be easy getting back behind the wheel, if that is what your friend wants. If she is up to it, after her sentence has ended, she can try getting her driver’s license back from the Department of Motor Vehicles. However, that is just the start. Most of the time, the DMV requires a DUI offender to have SR-22. SR-22 is that document issued by the auto insurance company to the DMV that the motorist has liability insurance. Another tricky thing is not all auto insurance companies have SR-22. So, you’d better help your friend by asking around. Asking around, you might notice that auto insurance companies will classify your friend from then on as a risky driver and may give her higher auto insurance rates. Thing is, your friend can get around that conviction but definitely not without a higher price to pay. Now, you know the bare facts, you can try to break it gently to her now.
Tags: car insurance rate, DUI, DUI insurance, sr22 car insurance, sr22 insurance
Reno SR22
Q: I’m paying off my car and so don’t have a lot of money left over for my Reno SR22 premium. Anything I can do?
A: Since you’re financing your car, the best thing for you to do is to raise your deductibles on your extra Reno SR22 insurance coverages. If you’re like any other person who is paying off their car, you hav collision and comprehensive coverage on your policy. Instead of letting your deductibles stay at the lowest amount, raise them as high as you feel comfortable going–many companies allow you to go up to $2500. Make sure you raise your Reno SR22 deductibles to at least $1000.
Some people don’t want to raise their deductibles because they fear they won’t have enough money to pay the deductible when the time comes. However, if you drive safely and set aside some of the money you’re saving, then you should be set when you (if you) get into a car accident by your own fault.
I recently raised my own Reno SR22 deductible from $500 to $1500. While before I had been paying over $300 every month, after raising my deductible I am paying only $160 a month. A fifty percent savings!
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