How a DUI can Affect your Insurance

Insurance rates can go up and down depending on how many moving violations and accidents you get in your driving career. However, none are more impactful than a DUI. Here are some things that 1st American Insurance Agency, serving Lafayette, CO, want you to know about insurance and driving under the influence.

SR-22 and DUIs

The state of Colorado requires any driver who has had their license suspended for a DUI to have what is called an SR-22, also known as the Safety Responsibility Form # 22, before they can get it reinstated. An SR-22 is not an insurance policy, but a document that proves that you have insurance. This is provided by the insurance company when you sign up for a policy. If you were to go with us here at 1st American Insurance Agency, we would provide this document for you.

DUI and Your Rates

Every insurance company has a different formula when determining insurance rates. While one insurance company might weigh a DUI heavily, another might not weigh it as much as other factors. This is why it is important to shop around. 

Getting a DUI can maker it hard to find a policy, because insurance companies do have the right to deny "high risk" drivers. However, there are many that will still sell you a policy, since it is still a legal requirement when you are driving.

No matter what your story is, you should shop around to see what policy you can get. Make sure you contact us here at 1st American Insurance Agency, serving Lafayette, CO, to see if we can help you with your insurance needs. 

Winter Driving Safety Tips

Nothing can bring drivers to a halt quicker than a sudden winter storm. Use these winter driving tips to make sure that you are prepared for whatever winter brings.

Maintain your vehicle.

Check the basic maintenance of your car, including your battery, anti-freeze levels, and windshield wipers. You should also check your tires, making sure that they are properly inflated and that tread depth is adequate .

Check the Forecast

Before you leave your home, check the forecast for the next few hours. Allow plenty of time for your trip and plan for extra time in case you get caught someplace. If you’re planning a longer trip, check the weather for your home and destination. Also, if you have to drive through the mountains, make sure that no precipitation is in the forecast.

Things to Pack in the Car

Before you go, you probably want to pack the following items in your vehicle.

  • Flashlights with extra batteries
  • Jumper cables
  • Ice scraper
  • Snow brush
  • Shovel
  • Roadside flare
  • Blankets
  • Cell phone and charger
  • For longer trips in hazardous conditions, pack extra food and water.


Make sure that others know of your plans. Let them know your departure and projected arrival times. If things change, let people know. Also, leave a copy of your route with someone, so that people know where to start looking if you don’t show up.

Practice Driving in Hazardous Conditions

There’s a learning curve to knowing how to drive on ice and snow. Practice driving in a parking lot in the vehicle that you will be using because each vehicle handles slightly differently. Slow down when driving on slick roads. Four wheel drive vehicles don’t stop and faster on a slippery road than other vehicles.

Don’t get caught unprepared this winter. Not knowing how to handle winter driving can mean the difference between being stranded somewhere and being able to proceed as normal. For information about car insurance, contact 1st American Insurance Agency, serving Lafayette, CO and the surrounding area.