Yes, Safeco will insure you with a DUI. In addition to insuring people who have been convicted of driving under the influence (DUI), Safeco will file an SR-22 or FR-44 form with the driver’s state after a DUI conviction, if necessary.
Safeco insurance after a DUI conviction will cost approximately 39% more than a Safeco policy costs for drivers with a clean driving record. After the DUI conviction stops showing up on your driving record, usually within 3 to 5 years, Safeco will decrease your rates.
What to Do If Safeco Denies You Coverage
Even though Safeco insures drivers with a DUI, you may get turned down if you have more than one DUI or a DUI plus other significant risk factors. In this case, your state government will help. Each state has a program that allows drivers who cannot find car insurance coverage elsewhere to get a policy. These insurance programs are typically more expensive and only offer the state’s minimum required coverage, so you should shop around before resorting to getting your insurance through the state.
Safeco is cheap because the company automatically includes extra coverage benefits, like $10,000 for first aid administered after a car accident, without charging higher rates to make up for it. Benefits provided at no additional cost make Safeco policies an even better value than those offered by competitors. Safeco ranked 8th overall in WalletHub’s cheap car insurance review, partly because it offers discounts for low mileage drivers and those who pay in full upfront. Plus, Safeco rewards customer loyalty with discounts for insuring more than one car or bundling multiple policies, such as home and auto.… read full answer
Safeco is especially cheap for young drivers in particular. That’s because Safeco has special savings opportunities for drivers in this category, such as Teen Safety Rewards and Safeco RightTrack. But even though Safeco is among the cheapest car insurance companies, the only way to confirm you’ve found the lowest price is to compare quotes from multiple companies. Your final premium is based on a variety of factors, like your driving record, insurance history, the type of car you drive, and more, and all insurance companies can’t offer the same rate.
To get a personalized quote from Safeco, you can speak to a representative by calling 1 (800) 332-3226.
A DUI affects insurance rates for 3-10 years, depending on the driver’s state and insurance company. Most insurance companies look back 3-5 years for infractions on a driving record, but some look back as far as seven years. And even if a DUI doesn’t cause a driver’s rates to skyrocket long-term, it can have a lingering effect on costs. For example, insurance companies in California legally can’t offer you a good driver discount for 10 years after a DUI conviction.… read full answer
During the period in which it directly affects premiums, a DUI conviction causes insurance rates to rise by about 80% on average, although each insurer and state is different. If you practice good habits in the years following a DUI, however, you’ll eventually see your rates fall back down.
Since every insurance company has its own lookback period for driving records, you’ll need to check with your insurer to know exactly how long your rates will be affected by a DUI. But keep in mind that even after your costs go down, a DUI will likely appear on your driving record for much longer, depending on your state. While some states like Maryland and Hawaii only require it to remain for five years, others such as Texas and Oregon keep it on your record for life.
You need an SR-22 for 1-5 years after a DUI, though most states require you to have it for three years. You must be continuously insured during this timeframe, since any lapse in coverage will cause the SR-22 clock to reset.
Once you’ve maintained your SR-22 insurance for the required period of time after a DUI, you can contact your insurance company and ask them to … read full answercancel the SR-22 filing. However, keep in mind that your insurance company will have to contact the state DMV to remove the form. If you attempt to cancel the SR-22 early, you will face repercussions including hefty fines and a driver’s license suspension.
Since a DUI conviction and an SR-22 classify you as a high-risk driver, you should expect your insurance rates to go up by about 80%, though the exact amount will depend on your state. The good news is that insurance companies only look back 3-5 years on your driving record when calculating your premium, so your rates will eventually go back down.
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