Imagine you have been arrested for drunk driving or DUI. You appeared for trial and lost the case. You've got a DUI conviction on the record. So what'...
Imagine you have been arrested for drunk driving or DUI. You appeared for trial and lost the case. You've got a DUI conviction on the record. So what's next? A DUI expunge is the most convenient answer. It is the best relief available post conviction by the law. It helps in you to maintain a clean record so that you can apply for auto insurances.
There are basically 2 major types of insurance companies that issue auto insurance in Traverse city, MI:
1.Standard insurance companies and
2.Non-standard insurance companies.
Standard ones are easily the most known of the auto insurance companies in Traverse city,
MI. Such companies are the harshest when it comes to DUI convictions. They use the DUI issued for a term of 5 years. Some begin this term from the conviction date and not the issue date of ticket. This mainly results in the policy getting canceled or rather expensive to the pocket.
Auto insurance in Traverse city, MI has a long list of high risk insurance companies, also known as high-risk companies. Such companies willingly make available auto insurance for any residential driver, irrespective of the points issued. The only concern is that the driver needs to have a valid driving license which has not been suspended, although a restricted license is not a problem.
One can avoid overpaying for insurance by looking around for as many high-risk or non standard insurance policies available. Comparisons are available mainly via 2 sources,
1.Independent Agents and
2.Direct Insurance Companies, the online way.
Independent Agents:
An independent agent who represents as many high-risk or non-standard insurance companies as possible is the best option to opt for. A good agent with quotes from a number of high risk companies would provide you with the best coverage, affordable premium rates and other related options.
It is important to note that high risk companies use the DUI charged against you for a period of 3 years whereas the standard companies consider 5 years for the same. This is the major reason for people opting for auto insurance with non-standard insurance companies after convicted with a DUI charge.
Direct Insurance Companies:
Shopping online for the insurance is a great way to compare and locate non-standard insurance companies around you. Some high-risk auto insurance firms in Traverse city, MI are available only through agents. It is therefore best to seek help of an expert auto insurance agent. Most common mistakes that people commit while buying auto insurance online is poor selection of the coverage and fail to disclose an accident or a ticket issued.
Such omissions have great effects on the final prices of the insurance quotes. Selecting the wrong coverage or leaving out crucial information can cost thousands of dollars later. Seeking an agent 's advice is a must as his valuable insights in matters of claims helps you choose the best policy suitable to your needs.
