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.