My recent conviction for DUI here in Maryland has forced me to get SR22 insurance. I know that it can be expensive, but is there a way that I can find cheap car insurance coverage with SR22 after my DUI?

Roland

Silver Spring, MD

Drivers who have been caught for DUI have to purchase SR22 insurance from their car insurer provider in order to continue driving. But SR22 insurance is not an ordinary type of car insurance. SR22 insurance for DUI is quite expensive because it is given to high risk individuals. Like what is constantly practiced in the insurance business, high risk policy holders are given high insurance premiums. However, drivers who have to purchase DUI SR22 insurance may still be able to get lower premium. A lot of specialized SR22 insurance firms have been put up to address the needs for low SR22 insurance rates.

The truth is that SR22 insurance is not only required among drivers guilty of DUI. SR22 insurance is likewise demanded from drivers who were caught over speeding as well as those driving without the mandated car insurance policy. DUI SR22 insurance is more costly and it also does not help that there are a lot of Americans who have been caught for DUI.

But drivers in need of cheap SR22 insurance for DUI should not despair. They still have a lot of ways to get a cheap car insurance coverage as there are many SR22 insurance firms that have been put up as of late. Most of these companies were established precisely to give competitive DUI SR22 insurance rates. Drivers can find information on these companies through the Internet and the yellow pages.

For those wanting to get a quicker access on DUI SR22 insurance, they should go online to find affordable car insurance rates. Some of them also give ideas on how drivers can qualify for cheap SR22 insurance.

Drivers like you are advised to request and compare as much auto insurance quotes as you can get. This way, you can be sure to nail the most affordable SR22 insurance for DUI policy in Maryland.

I’m looking at my sister’s auto insurance policy here in Columbia, Maryland and I need help in understanding it because I will buy my own auto insurance soon. How would I know how much liability coverage she has on her policy?

Tara

Columbia, MD

It would be easy to find out how much liability coverage your sister has on her auto insurance in Columbia, Maryland. This is typically shown as three numbers which are written like this – 25/50/25. This would mean that it would pay $25,000 for physical injury or medical costs per person, $50,000 for physical injury or medical costs per accident and $25,000 to cover for property damage for every accident she may have.

You must realize though that if you will be involved in a serious car accident, the minimum liability auto insurance coverage would likely not cover all the costs. It would be a good idea to purchase more so that you could be sure to have the appropriate coverage in case of a serious accident, which generally means major bills. It would also be a wise decision to buy more than the minimum especially if you own a home, have a huge savings account or have a real estate. The injured party can sue you if you were the one who caused the accident, and if they do, you can keep the courts from going after your personal financial business if you have enough liability insurance.