My youngest son, who is a named driver on my car insurance policy here in Arizona, was charged with DUI. Is it possible to just take him off my policy and ask him to get his own car insurance without having an effect on my policy?

Garett

Deer Valley, AZ

The guiding principles and rating systems of car insurance companies vary so you have to check with your insurer in Arizona to determine if your son’s DUI will have an effect on your car insurance premiums. If he is still under your car insurance policy, it is possible that your car insurance premiums will increase because of his DUI charge since alcohol-related violations are generally taken seriously by car insurance companies.

As you understand, the driving history of any licensed driver on a car insurance policy or in a household could affect the car insurance rates and the insurer’s choice to insure the car. Some violations could be a reason for the car insurance company to refuse to insure you or to ask you to pay higher car insurance rates.

You must determine what you would have to do to take off or rule out your son from your car insurance policy by getting in touch with your car insurance agent. In the event that your son gets his own car insurance policy, you are most likely be asked to present a proof of his policy to your car insurance provider so that he can be taken off as a driver on your car insurance coverage. In case your car insurance premiums go up, then you have to begin shopping around for new car insurance policy.

I have finally gotten a formal job after my graduation and I also need to switch auto insurance companies. Does my job here in Arizona factor in the premiums that I would have to pay for my auto insurance?  I have a DUI on my record

Aden

Arivaca, AZ

Yes, the kind of job that you have could influence your auto insurance premiums in Arizona. According to most vehicle insurance providers, they have collected information that scientists, artists and pilots have the cheapest car insurance premiums and they normally pay $935.76 annually. The people who shell out the most for their car insurance premiums are the lawyers, judges, CEO’s and entrepreneurs as they normally pay $1,383.63 annually.

Lawyers, judges, CEO’s and entrepreneurs have extremely demanding types of jobs that need them to use up their time in their vehicles and often use their mobile phones than a typical motorist. Considering all of these things, insurance experts say that these jobs are claimed as “high-risk” and normally pay higher for vehicle insurance than other people.

Scientists are considered careful and detail-oriented, which transform to good driving behaviors. As for pilots, their profession needs them to pay attention to the safety and comfort of other people and this suggests better driving practices. The profession of artists, as well as actors and performers expect them to do their tasks in the city which is why they are more likely to use public transportation rather than driving. This regulates their time in the vehicle and lowering the possibility of an accident.

Is it true that my brother’s car insurance premiums could triple after his DUI conviction in Arivaca, and what is SR22?

Mara

Arivaca, AZ

It would be possible that because your brother is convicted for DUI in Arivaca, Arizona, his auto insurance premiums could double, and in some instances, even triple. If he goes to his auto insurance company to get an SR22 form, his auto insurance provider would consider him as a “high-risk” driver and increase his insurance premiums. This is especially true if he was previously in a “preferred class” or received safe-driver discounts.

You probably know that your brother’s driving privileges are suspended for at least 30 days to one year because of his DUI conviction. Once he gets his driver’s license and privileges back, he would have to provide the licensing agency with an SR22 form, which proves that he has motor vehicle liability insurance. Under the SR22 laws, the insurance company is required to notify the licensing agency, which is the Department of Motor Vehicles, if the policy is canceled, terminated or lapses for any reason. He might be looking for an SR22 auto insurance provider right now and he can definitely get an online rate quote available from this website.