Cheap SR22 Insurance in SC

SC SR22 Requirements
It is against the law in South Carolina to operate a vehicle if the driver has a blood alcohol concentration (BAC) of .08 or higher. The limits are lower for drivers under the age of 21 and commercial drivers. In addition to alcohol, it is also against the law to drive under the influence of controlled substances such as cocaine, marijuana, and any other intoxicants.

South Carolina has an implied consent law that means that you agree to submit to a chemical test of your breath, urine or blood if you have been stopped by a law enforcement officer and he suspects that you are driving while under the influence of drugs or alcohol. If a driver refuses to submit to this test, the driver’s license will immediately be suspended for at least 90 days.

Multiple convictions for DUI may result in a court ordered installation of an ignition interlock device. This device would be installed on the vehicle of the convicted driver and at his expense.

DUI fines and penalties vary according to the blood alcohol content (BAC) of the driver when he’s arrested:

• with a BAC under .10
  - license suspension of 6 months
  - fine of $400
  - jail time minimum of 48 hours to a maximum of 30 days, or
  - 48 hours of public service
• with a BAC of .10 and under .16
  - license suspension 6 months
  - fine of $500
  - jail time minimum of 72 hours to a maximum of 30 days, or
  - 72 hours of public service
• With a BAC above .16
  - license suspension of 6 months
  - fine of $1,000
  - jail time minimum of 30 days to a maximum of 90 days, or
  - 30 days of public service

In addition to filing the SR 22, a reinstatement fee of $100.00 must be paid and the driver must complete a certified Alcohol and Drug Safety Action Program (ADSAP). The enrollment in ADSAP must be on file with the DMV before the driving privileges can be restored.

The minimum insurance coverage required is as follows:

• $25,000 for bodily injury for each person
• $50,000 for bodily injury for all persons in an accident
• $25,00 for property damage
• Uninsured/Underinsured motorist bodily injury of $25,000/$50,000
• Uninsured/Underinsured motorist property damage of $25,000

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the State of South Carolina are subject to change.  If you have questions or want more information visit the South Carolina Department of Insurance at http://doi.sc.gov/Pages/default.aspx  or the South Carolina Department of Motor Vehicles at  http://www.scdmvonline.com/DMVNew/default.aspx.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Neilson from Illinois sent the following note about his experience working with us:

Thank you again Shannon!  This is a blessing, no more headaches about the insurance situation. You were very polite, intelligent, professional and considerate about my situation.  I cannot thank you enough!  Bless you!!

Neilson
IL SR22 insurance customer

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Neilson needed an Illinois car insurance policy with an SR22 filing and had not had good luck with some of the other agencies he had spoken with. He was very relieved after speaking with Shannon at Serenity and a large load had been lifted off of him.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Stricter DUI Law in OK Goes into Effect

A tougher DUI law has gone into effect in the state of Oklahoma. Anyone who blows a .15 BAC on their first DUI must have an ignition interlock device installed in their vehicle for 18 months. For a second offense they will have to have the interlock device installed for 4 years if they blow a .08 or higher.

An interlock device measures the amount of alcohol in the driver’s breath. The driver has to blow into the device before he can start the car, and then periodically while driving. State governments are hoping that this additional measure will deter drivers from driving after drinking. The devices are expensive and must be paid for by the offender.

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Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Hi Karen,

Thank you very much for the smooth process. Just signed everything. You really calmed my nerves, so thank you for your patience.

Lisa
SC SR22 insurance customer

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Lisa needed a South Carolina car insurance policy with an SR22 filing and was very nervous about the whole process.  Karen helped calm her down and got her a great price for her policy and took care of the SR22 filing as well.

Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

A DUI Will Hurt You in the Wallet

Getting a DUI is embarrassing, is a hassle due to all the hoops you have to jump through and it impacts your freedom to drive for a period of time. It can also be very expensive!

This article will deal with just some of the most obvious costs associated with a DUI. Let’s start with the first financial impact following the arrest for a DUI. Most states will send a DUI offender to jail for at least 24 hours. In order to be released you’ll have to get a bail-bondsman to submit the assigned bail to the court. The cost of bail varies with the city and state but can run from $100 to as high as $2,000. Let’s be conservative and say the average is $450.00.

You’ll probably need an attorney to go before the court on your behalf to plead the DUI. If you plead guilty, the cost for the attorney might be between $200 and $400. If you plead not guilty, then the sky is the limit for the attorney cost. For the sake of this article, let’s say the average is $300 for the attorney’s time.

In most states your vehicle will be towed to a storage yard following your arrest. Cost for towing can vary from $100 to over $1,000 in some cities. Storage can run from $50 to over $200 per day, so in order to retrieve your car once released, it could cost you an average of $500.00 for towing and storage costs.

If you are insured with a preferred insurance company, it is likely that they will drop you once they find out you’ve had a DUI. Now you’ll need to find an insurance company that will write you a policy and perhaps have to file an SR22 for you. Those rates can double or even triple what you were used to paying. Also, the DUI will stay on your record for a minimum of 3 years so you’ll be paying higher rates for the 3-year period. Let’s say the average is $4,000 additional dollars for the 3-year period.

The average costs for these items is over $5,000!

We haven’t even talked about probable costs for alcohol treatment classes that might be required by the court, or any additional fines that the court might impose on you due to the DUI. There might be an additional $1,000-$2,000 involved if these are required as well.

Needles to say, your wallet has been impacted to the tune of over $5,000 and your life impacted as well.

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Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in UT

UT SR22 Requirements
The State of Utah has a drunk driving law that prohibits a driver from operating a vehicle with a blood alcohol concentration (BAC) of .08 or higher. Utah has lower BAC limits (.04) for drivers of commercial vehicles and a zero tolerance law for drivers under the age of 21. The DUI law for Utah also prohibits the driver to operate a vehicle if under the influence of other controlled substances such as marijuana, cocaine, inhalants and other intoxicants.

In Utah the first conviction for a DUI carries the following penalties:

• 48 hours minimum in jail or 48 hours in a Work Service Program
• Home confinement
• A minimum $700 fine
• A suspension of your license for 120 days

Other possible penalties include the following:

• Home confinement through the use of electronic monitoring
• Participation in an Alcohol/Drug Screening process
• Alcohol/Drug Assessment participation
• Substance abuse education
• Participation in substance abuse treatment

Subsequent DUI convictions cause the penalties to increase up to a fine of $1,500.00, jail time of 1,500 hours, license suspension of 2 years, and the installation of an ignition control device.

Utah has an implied consent law which means that you have given your consent to be tested to determine the alcohol or drug content of your blood, breath or urine if stopped by an officer and he suspects that you are under the influence of alcohol or drugs even if the drugs are prescription. Refusal to submit to the test will result in your driver’s license being suspended for a period of 18 months for the first offense and up to 2 years for subsequent refusals.

The minimum required insurance coverage is as follows:

• $25,000 for Bodily Injury Liability per person
• $65,000 for Bodily Injury Liability per accident
• $15,000 for Property Damage Liability for damage to property
• $3,000 for Personal Injury Protection (medical payment coverage)

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Utah are subject to change.  Visit the Utah Insurance Department at http://www.insurance.utah.gov/ or the Utah Division of Motor Vehicles at http://dmv.utah.gov/ for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Donald from Florida sent, “Shannon helped me greatly and always does by finding the best deals on car insurance. I will always contact her/Serenity when I have an insurance need.”

Thanks, Donald
FL auto insurance customer

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Donald was shopping for a cheap Florida car insurance policy and was pleased with the quote that Shannon provided for him. He purchased the policy and he said he would recommend Serenity to all his friends.

Are you getting car insurance for the first time or have an insurance requirement for SR-22 filing? Serenity Insurance can help – we offer affordable auto insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Law Enforcement in AZ Increase DUI Emphasis Patrols

Law enforcement agencies in Arizona are ramping up their DUI patrols for the holiday season. Drivers need to take basic steps to drive safe and keep from being arrested for a DUI in Arizona.

Using a designated driver is the most logical step to take when attending family or company holiday parties. Find one of your family or friends who will commit to not drink during the event and get you all home safely.

Another way to keep from having a problem with the law is to either arrange to stay at the home of the party host, or use a taxi-cab to get you back home. There is no need to risk getting caught after consuming alcohol at a party, no matter how much.

Drivers who get arrested for a DUI in Arizona can go to jail for up to 10 days, and face several thousand dollars in fines, plus lose their driver’s license. In addition, an interlock device can be required once the driver’s license has been reinstated and that is very expensive.

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Have you had a DUI or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in DE

DE SR22 Requirements
In Delaware you can be arrested for driving under the influence (DUI) if you are driving, operating, or in actual physical control of a vehicle (including motorcycles), an off-road vehicle, or a moped while under the influence of alcohol or drugs. The state of Delaware does not require the filing of an SR22 for DUI offenses in Delaware. However if you have an SR-22 filing in another state, and then move to Delaware, you must maintain your SR22 in the state where it is required.

In the state of Delaware it is illegal to drive a vehicle with a blood alcohol concentration (BAC) of .08 or higher, or to have the presence of any drug, prescription or illegal if it is sufficient for a DUI conviction. You may be arrested for a DUI with a chemical test greater than .05%. At the time of a DUI arrest, a police officer will take your Delaware driver’s license and issue a 15-day temporary license. A DUI sentence is carried on your motor vehicle driving record for a minimum of 5 years. Penalties for a first-time DUI in Delaware are as follows:

• Up to a maximum of 6 months in jail
• A fine from $500 to $1,500
• License suspension for 12 months if the BAC is .08 but less than .15
• License suspension for 18 months if the BAC is .15 to less than .19
• License suspension for 24 months if the BAC is higher than .20
• An ignition interlock device is possible
• Complete Courses of Instruction or other programs

Additional convictions for DUI cause the penalties to increase. For example, for a seventh drunk driving conviction, the offense is classified as a Class C felony which carries a fine of not less than $10,000 and imprisonment of not less than 10 years.

If you are convicted for your first DUI in Delaware you may choose to enroll in the first-offender program. Enrollment in this program requires that you do not have any previous DUI convictions on your driving record. This program allows the convicted driver to apply for an Ignition Interlock Device license. The driver must remain on the program for a minimum of 5 months from the date of receiving the interlock device.

Delaware has an implied consent law which means that you have given your consent to submit to a chemical test of your blood, breath or urine if stopped by a law enforcement officer and he suspects that you are driving impaired. If you refuse a field sobriety test, the officer may attempt to take reasonable steps to conduct the test without your consent. Your driver’s license will be automatically revoked for refusing to take the field sobriety test.

The minimum required insurance coverage is as follows:

• $15,000 for Bodily Injury Liability for injury of one person
• $30,000 for Bodily Injury Liability for all persons in an accident
• $10,000 for Property Damage Liability for property damage
• $15,000 for Personal Injury Protection per person per accident
• $30,000 for Personal Injury Protection for all people involved in an accident

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of Delaware are subject to change.  Visit the Delaware Insurance Department at http://www.delawareinsurance.gov/ or the Delaware Division of Motor Vehicles at http://www.dmv.de.gov/ for current information.

Have you had a DUI or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.

Cheap SR22 Insurance in SD

SD SR22 Requirements
An SR-22 filed along with your insurance is required in South Dakota for three (3) years after being convicted of drunk driving. You may also be required to file an SR22 for being convicted of driving without insurance, reckless driving and vehicular homicide.

In South Dakota it is illegal to drive a vehicle with a blood alcohol concentration (BAC) of .08 or higher. There are lower limits for drivers of commercial vehicles, BAC of.04 and also for drivers under the age of 21, BAC of .02. Penalties for a first-time DUI are as follows:

• Jail for up to 1 year
• A fine of $1,000
• License suspension for 30 days up to 1 year
• An SR22 filed for proof of financial responsibility

South Dakota laws regarding driving while intoxicated (DWI) include alcohol, drugs and other controlled substances, including prescription drugs that have been ordered by a doctor. The South Dakota DWI law specifically denies the use of prescription drugs as a defense in a DWI trial.

South Dakota has an implied consent law which means that you have given your consent to a chemical test of your blood, breath or urine to determine the amount of alcohol, drugs or other controlled substances that may impair your driving ability. If you refuse to submit to the test your driver’s license will be suspended for a period of 1 year.

The minimum required liability insurance coverage is as follows:

• $25,000 for Bodily Injury Liability for injury or death of one person
• $50,000 for Bodily Injury Liability for two or more persons per accident
• $25,000 for Property Damage Liability per accident for property damage
• $25,000/$50,000 for Uninsured/Underinsured Motorist Coverage

Drivers must carry proof of insurance and present it to any law enforcement officer if they stop you for a traffic violation or if you have been involved in an accident where injury or damage has occurred. The best proof of liability insurance is the insurance ID card that is issued by the insurance company.

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The information contained in the above article is intended as informational and does not constitute legal or insurance advice.  Insurance requirements in the state of South Dakota are subject to change.  Visit the South Dakota Division of Insurance at http://www.state.sd.us/drr2/reg/insurance/ or the South Dakota Division of Motor Vehicles at http://www.state.sd.us/drr2/motorvehicle/index.htm for current information.

Have you had a DUI, DWI, or other driving offense that required form SR 22 insurance filing or are you getting car insurance for the first time? Serenity Insurance can help – we offer car insurance in 47 states for both preferred and high risk drivers. Call us toll free today at 1-800-774-0520 or use our car insurance quote form.