Auto Insurance With DUI in Alaska
Reader’s Question:
I would to know if my auto insurance rate will rise if I add my father which has a DUI conviction? We live in the same house.
Dan
Anchorage, AK
It is possible that your car insurance rates in Anchorage, Alaska may go up after you add your father to your car insurance policy. Even considering the fact that each of you have your own auto insurance policy, the insurance carrier will take into account all of the drivers/motorist , so in this case, you and your father, and their individual driving record on these car insurance policies separately. Most insurance carriers base the auto insurance rates on the driver who develops the highest car insurance rate premium. Usually this is the younger drivers. Since your father has a serious offense and that might cause your car insurance premiums to go up as a result.
You may speak with your insurance carrier to know for certain how much the increase will be if you add your father with a DUI in your car insurance policy.
Cheap Alaska DUI SR22 Auto Insurance
Reader’s Question:
My brother has a DUI conviction . He is asking me to help him out on finding cheap SR22 auto insurance. Why does he need this and will we be able to find SR22 auto insurance here in Alaska without paying an arm and a leg?
Jude
Anchorage, AK
Let me explain first why your brother needs SR22 auto insurance. This is commonly referred to as a certificate of financial responsibility or high risk car insurance. The mere fact that your brother has a DUI conviction in Anchorage, Alaska makes this a requirement as a proof of financial responsibility. The SR22 form provides a guarantee of insurance by the company your brother has purchased it from. This supplies the Department of Motor Vehicles (DMV) with the guarantee that even though he is a high risk driver, he at least carries the state mandated minimum limits of coverage. Further, it is essential that your brother does not allow this type of policy to lapse. The insurance company is required to immediately notify the DMV if it does lapse, and the DMV will immediately suspend your brother’s license until the insurance is reinstated.
To find SR22 auto or high risk car insurance, your brother can first check with his current insurance company to see if they can file it for him. If his insurance company does not offer that service or he does not have current insurance, time to start his comparison search. Finding SR22 auto insurance is easy with just a click of the mouse. There are a lot of insurance companies which offer this online. No need to worry, comparing car insurance rates from top companies against each other is an easy way to find a cheap rate and still get the coverage that you need.