Unbiased Motorcycle Insurance Company Reviews

Comparing Motorcycle insurance quotes from top companies online is a great way to find the cheapest insurance rates. After all, why ride all around town when you can get Motorcycle insurance quotes online? The more quotes you get, the more chances you have to save and ride. Get started now!

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Getting Motorcycle Insurance With A DUI

Getting Motorcycle Insurance With A DUI

If you have gotten a DUI, it means you were caught driving under the influence of alcohol or other substances. This is a severe legal offense because when driving under the influence, you are significantly more likely to get into an accident. You also put many other drivers at risk for injury due to your negligence on the road. When drinking, you are significantly more likely to get into an accident. Every single day in the United States, there are 28 deaths as a result of drunk driving. If it is determined that you were driving under the influence, you will have to deal with the various legal consequences.

Motorcycle Insurance with DUIs

If you have been convicted of a DUI, it will show up on your driving record. When it comes time for you to purchase an insurance policy, all insurers will need to see a copy of your driving record. They will be able to see that you have gotten a DUI, which will affect how they categorize you as a customer. If you are a new customer, you may find it increasingly difficult to obtain a policy. If you already have coverage, you may notice that your premiums are affected.

Considering High Risk Drivers

If you have received a DUI conviction, you will be categorized as a higher risk driver. When insurance companies review your driving history and legal profile, they will see that you have been convicted. This single conviction will raise the rate of your insurance cost and insurers will view you as a high risk individual. Let’s face it, driving under the influence is linked to increased risk of getting into a severe accident.

When you get into an accident, your insurance company will end up having to pay your claims. If they know that you have previously engaged in risky, illegal behavior, then they will increase the price of your policy. The reason the price increases is due to the fact that they expect you’ll be involved in more accidents or file more claims than someone who hasn’t been charged with a DUI. There are also various insurance companies that will not provide coverage to individuals that have gotten DUIs because they don’t want to take on extra risk.

How to Get Motorcycle Insurance with a DUI

Just because you got a DUI doesn’t mean getting insurance is a total lost cause. Sure you may experience increased rates compared to someone without a conviction, but the bottom line is that you still need coverage. If you don’t currently have any coverage, read the various steps below and go get yourself a policy so that you can drive again.  If you are still having trouble getting coverage after following the advice below, be sure to contact your local Department of Motor Vehicles and explain your situation.

1. Comparison Shop

Although it may be tougher to find a policy that you can afford after you have been charged with a DUI, it isn’t impossible. You can still shop for insurance the same way someone without a DUI would. The only difference is that your driving record will indicate to insurance companies that you are higher risk. You should still take the time to gather free quotes, compare those quotes, and determine the most affordable rate based on your budget. Also understand that certain companies may turn you down for a policy due to your high risk. Just because you are turned down by one company does not mean that you won’t have luck getting coverage from another.

2. File SR22 Form

If you are convicted of a DUI, you will usually be required to file an SR22 form. This is a form that is issued by your state Department of Motor Vehicles (DMV) that proves you have liability insurance. If you are convicted of a DUI, most states will mandate that you have an SR22 on file for upwards of three full years. This will allow the state to keep tabs on you and make sure that you maintain the state-required insurance minimums. If there is ever a lapse in coverage, the state will know and your driving privileges will be revoked.

3. Assigned-Risk Plan

If you are turned down for insurance from every company, you may need to get an Assigned Risk Plan from your state’s Department of Motor Vehicles. Drivers that are unable to purchase insurance through conventional means may need to get assessed by the DMV and purchase liability coverage. The DMV will assess your risk as a driver and come up with a plan that offers enough coverage so that you can legally drive. You will still be charged in accordance with the amount of risk that you have. It should also be noted that this is not a valid option in every state within the United States.

It’s Still Possible to Get Motorcycle Insurance

Don’t think that just because you got a DUI that it will be impossible to get motorcycle insurance. There are still many providers that will work with you to get your motorcycle properly insured. If you want to search for a provider, be sure to use the free search box below – all you need to do is enter your Zip Code. When you have entered your Zip, the results will show the top providers based on your location.

All you have to do is fill out some basic information about yourself and collect quotes. They will find out about the DUI, but at least you will be able to get a legitimate policy. Your quotes may be a little high because of your DUI, but if you demonstrate lower risk activity in the future, your rates may steadily decline in cost.

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