California Car Insurance — Teen Drivers, DUIs, and SR-22
Certain experiences and situations can result in drivers being classified as “high risk” by insurance providers. This designation as high risk means that the insurance provider sees extra risk in offering insurance to these individuals. A high risk class driver will find they have to pay more for car insurance because of this higher risk. California auto insurance quotes will reflect this risk when these drivers seek car insurance quotes. Most drivers in this category include those convicted of a DUI, teenage drivers, and anyone required to file an SR-22. Even with this high risk designation, it is possible for these individuals to find affordable insurance. It simply takes a little time and we can help solve the problem of high risk coverage.
CA Car Insurance for Teenage Drivers
The high accident rate for teenagers has resulted in the passage of Graduated Driver Licensing (GDL) laws that affect these teenagers. The intent of these laws is to allow teenagers gain more actual driving experience in safer circumstances. Below is a summary of California’s GDL laws for teenagers:
GDL Law Requirements in California
|Learner’s permit||16 years|
|Intermediate license||16 years|
|Full licensure||16 years|
|Mandatory Learner’s Permit Hold||6 months|
|Supervised Practice Driving||30 to 50 hours|
|Unsupervised Nighttime Driving Ban||No|
|Cell Phone Use||Prohibited (with the exception of emergencies)|
DUI Insurance in California
A first DUI offense in California carries stiff penalties. They include: from 4 days to 180 days in prison, possible license suspension of up to 6 months, possible fine of $390 to $1,000, possible court ordered ignitions interlock device installation (at offender’s expense), completion of the Driving Under the Influence Program, and a SR-22 for a restricted license
SR22 insurance in California
The SR-22 is the document that must be filed with the Department of Motor Vehicles by certain drives. It serves as proof that California’s minimum liability coverage has been purchased and is in effect. SR-22 filings are not necessary for all drivers. A SR-22 is generally required to reinstate driving privileges after conviction of certain offenses. These situations include a DUI conviction, an uninsured auto accident, or being ticketed for driving without required proof of insurance.
California car insurance quotes are available for drivers requiring a SR-22 or basic car insurance coverage. Having the auto insurance coverage that is required by law is important for any driver to be considered legal. The proper insurance protects you from being ticketed and from financial losses in an accident. The laws, regulations and paperwork involved in finding the best auto insurance coverage can be frustrating. However, it doesn’t have to be a complicated process. With californiaautoinsuranceca.com, you can get affordable quotes from the best companies easily and quickly. You just fill in a few details using the quote widget below and you’ll have all the information you need to make good decisions.
If you want to fine-tune your savings even further, check out these reports on major California cities:
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Need more information on California vehicle insurance? Please visit California Department of Insurance online at insurance.ca.gov.
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