Trying to Get Car Insurance in Texas with a DUI on Your Record

If you live in Texas and have a DUI on your driving record, you are going to see an increase in your car insurance premium--if you can get insurance at all! To make sure that you are getting the best possible insurance rates with a DUI on your record, you need to understand the ins and outs of insurance rates and Texas DUI laws. Tri-Star Insurance in North Dallas, Plano and Frisco wants you to know the basics of DUI regulations in Texas. John Coyle and the staff at Tri-Star Insurance have the experience and expertise to get you the best possible premium rates. Call Tri-Star Insurance Professionals at 214-387-0600 or toll free at 1-800-880-4600 and find out how John and his staff can help you with your DUI insurance needs.

Every year about 2000 Texans die due to accidents caused by someone driving while they are intoxicated. In Texas, you are considered too intoxicated to drive if your blood alcohol content (BAC) is .08% or higher. If you are under 21, it is illegal to drive with ANY alcohol in your system. Several things contribute to how quickly a person becomes intoxicated including size, weight and age. Teenagers and young adults are more likely to reach a higher BAC faster than older adults and the age group that has the most accidents and the most alcohol violations is the group from 21-34.

What Happens To My Car Insurance if I Get a DUI?

In addition to the civil and criminal penalties for a DUI, which include fines, attorney's fees, license suspension and possibly jail time, your auto insurance and coverage will usually be affected. Your insurance company will probably either raise your rates or cancel your coverage.

In Texas, if you are convicted of driving while you are intoxicated, the Texas Department of Public Safety requires that you provide proof of insurance, in the form of an SR-22. An SR-22 is a certificate of insurance that the insurance company must provide to DPS before your license can be reinstated. If your policy is cancelled, terminated or lapses for any reason, the insurance company is required to notify DPS that coverage is no longer in effect. If that happens, your license and vehicle registration will be suspended. You will need to have an SR-22 for two years from the date of your conviction. You cannot simply provide your insurance card or policy as proof of insurance; the SR-22 must be sent from your insurance company. If you don't own a car, you will still need to provide a non-owner SR-22 form to DPS.

How Can I Find the Right DUI Insurance?

Your auto insurance can be severely affected by a DUI or DWI conviction. Tri-Star Insurance Professionals urges you not to drink and drive. They also understand that if you have a DUI/DWI conviction, you are going to have auto insurance problems. Let Tri-Star Insurance help you get the best possible rates for your insurance and connect you with an insurance company that will provide you with an SR-22.

If you are in the Plano, North Dallas or Frisco area, call John Coyle or one of his associates toll free at 1-800-880-4600 or visit http://www.tristarinsurancepros.com/personal-auto.aspfor more information on your auto insurance needs.