I have been found guilty of DUI and so I was required to get SR22 insurance here in Arizona. I know that I am now a high risk driver, but is there a way that I can still get cheap SR22 insurance?

Virgil

Gilbert, AZ

If you have been found guilty of major traffic infractions like driving under the influence (DUI) or not having the required insurance coverage, then you will be required to get SR22 insurance. SR22 insurance is required from drivers who, due to their involvement in traffic violations, are considered high risk. And because it is required among high risk drivers, SR22 insurance is usually very expensive. But high risk drivers may still be able to obtain a cheap SR22 insurance if they are patient enough in shopping for a cheap provider of SR22 insurance.

SR22 insurance is a kind of certificate vouching that the holder is covered with the minimum insurance covered as required by law. It is issued by a legitimate car insurance company to the department of motor vehicles. Drivers who have been found guilty of traffic violations should be carrying their SR22 insurance while driving for the next 3 years.

Since SR22 insurance is issued to high risk car owners, it is usually very expensive. Not all vehicle insurance companies issue SR22 insurance because of the high risk nature of this policy. Drivers who carry SR22 insurance should pay their monthly premiums on time lest their car insurance companies cancel their SR22 insurance.

High risk drivers often fear that it is impossible to get affordable SR22 insurance in Arizona given the high risk nature of the form. However there are many specialized SR22 insurance companies that offer cheap SR22 insurance. Drivers in need of cheap SR22 insurance should consider approaching these firms instead of a general car insurance company.

I have two license, one is in Indiana and he other one is in Arizona. I got a DUI in Arizona and I just want to know if I the law officer will be able to see my Arizona DUI if I get pulled over for traffic violation and presented my Indiana license?

Ferdinand

Thank you for asking Ferdinand.

Generally you are not allowed you to have driver’s licenses from more than one state at the same time. Indiana requires when you obtain an IN driver’s license, for you to forfeit the license from the previous US state in which you had lived. Arizona likely has a similar rule, so having 2 licenses at the same time could get you in trouble.

If both license from the two states are valid, both Indiana and Arizona are members of the Drivers License Compact so that means out of state violations would be reported to your “home” state’s licensing authority.

Your DUI is also very likely listed is the National Driver Register (NDR), which all states provide information to. The NDR is a central database of information on all problem drivers with traffic violations. Problem drivers here are defined as though whose license has been suspended, revoked, canceled or denied or have been convicted of a serious traffic related offense (such as driving under the influence).

Goodluck!

MariCAR