{"id":3651,"date":"2022-01-11T11:47:14","date_gmt":"2022-01-11T19:47:14","guid":{"rendered":"https:\/\/www.usagencies.com\/blog\/?p=3651"},"modified":"2022-01-11T11:47:16","modified_gmt":"2022-01-11T19:47:16","slug":"cheap-car-insurance","status":"publish","type":"post","link":"https:\/\/www.usagencies.com\/blog\/auto-insurance\/cheap-car-insurance\/","title":{"rendered":"Can I Get Car Insurance after a DUI in Alabama?"},"content":{"rendered":"\n<p>The short answer is yes, you can. There are many things to take into consideration, however. There\u2019s not much that\u2019s more troublesome than seeing the red and blue flashing lights of a police car in your rearview mirror. That\u2019s especially true when you\u2019ve had too much to drink and made a decision to get behind the wheel. The legal definition of <em>too much<\/em> might very well not be as much consumption as you\u2019d expect.&nbsp;<\/p>\n\n\n\n<p>That\u2019s why it might be so shocking to learn that you\u2019ve broken the law in Alabama. You\u2019ve been charged and convicted for a Driving Under the Influence (DUI) offense. The ramifications will probably cause a lot of worry. The good news is that there\u2019s a clear \u2013 although difficult &#8211; path out of your predicament. Finding your way through getting <a href=\"https:\/\/www.usagencies.com\/car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">car insurance<\/a> is one of the things you\u2019ll have to tackle as a result of a DUI.&nbsp;&nbsp;<\/p>\n\n\n\n<p>You\u2019ll most likely need to file an <a href=\"https:\/\/www.usagencies.com\/sr-22-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">SR-22 certificate<\/a> to get back behind the wheel legally as soon as possible.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-first-how-do-we-define-a-dui-in-alabama\">First, How Do We Define a DUI in Alabama?\u00a0<\/h2>\n\n\n\n<p>The first step to knowing how to get out of trouble from a DUI is to know how you stepped into that bear trap in the first place. In Alabama, a driver blowing a <a href=\"https:\/\/dui.drivinglaws.org\/resources\/alabama-first-offense-dui.htm\" target=\"_blank\" rel=\"noreferrer noopener\">0.08 blood alcohol content (BAC)<\/a> reading on a breathalyzer can get a timeout in a jail cell and end up with a costly conviction for a DUI.&nbsp;<\/p>\n\n\n\n<p>But what does that mean? How much alcohol consumption will get you to the point where the state\u2019s legal system says that you pose a risk behind the wheel and must at least temporarily lose your license?&nbsp;<\/p>\n\n\n\n<p>Well\u2026 that\u2019s hard to say. A 0.08 reading might only take a couple of drinks if you pound them down fast enough and then immediately take to the open road. Or four or five if you\u2019re a larger-bodied male who spaces those drinks out with dinner. A smaller female may reach the legal amount with a couple of glasses of wine.&nbsp;<\/p>\n\n\n\n<p>You\u2019ll get your problematic buzz faster if you know a bartender who has a generous pour. And what constitutes a \u201cdrink\u201d anyway? Experts have conflicting advice but to be on the safe side, you can equate one shot of liquor with one bottle of beer or one glass of wine.&nbsp;<\/p>\n\n\n\n<p>Body size, gender, rate of consumption, whether you\u2019re drinking on a full or empty stomach, and the type and size of drink you consume\u2026all of these factors and more can influence your BAC.&nbsp;<\/p>\n\n\n\n<p>If you think that makes your barhopping risky, it gets even more challenging if you\u2019re driving a commercial vehicle. A BAC of just 0.04 \u2014 half as much as off-the-job drivers \u2014 will get you in legal trouble. So obviously, your dinner breaks had better not include even a single beer if you\u2019re on the clock, so to speak.&nbsp;<\/p>\n\n\n\n<p>To try to hold off a 0.08 BAC result, one rule of thumb is not to consume more than one drink an hour. Slow down and drink water in between rounds. And take an honest appraisal of how you feel. If you\u2019re \u201cfeeling\u201d your drink, you might not be safe behind the wheel, no matter how few you had or how slowly you poured those drinks into you. And if you\u2019re literally a lightweight, or an inexperienced drinker, even the one-an-hour rule might be too much.&nbsp;<\/p>\n\n\n\n<p>Also, remember that it will take your system about five hours to fully rid your body of all of the alcohol that makes up your 0.08 BAC. So don\u2019t assume that the time you spend consuming a cup or two of coffee after your partying will leave you safe to drive home. (Incidentally, it\u2019s a myth that caffeine has some magical sobering ability. Several cups will just make you a wide-awake drunk.)\u00a0<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/can-i-get-car-insurance-after-a-dui-in-alabama-2.jpg\" alt=\"cop car with sirens on pulling over truck\" class=\"wp-image-3652\" width=\"687\" height=\"458\" srcset=\"https:\/\/www.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/can-i-get-car-insurance-after-a-dui-in-alabama-2.jpg 1000w, https:\/\/www.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/can-i-get-car-insurance-after-a-dui-in-alabama-2-300x200.jpg 300w, https:\/\/www.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/can-i-get-car-insurance-after-a-dui-in-alabama-2-768x512.jpg 768w, https:\/\/www.usagencies.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/can-i-get-car-insurance-after-a-dui-in-alabama-2-800x534.jpg 800w\" sizes=\"(max-width: 687px) 100vw, 687px\" \/><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What Am I Up Against if I Get an Alabama DUI?\u00a0<\/h2>\n\n\n\n<p>You should be forewarned, a DUI in Alabama comes with some pretty stiff penalties. Consider what a <a href=\"https:\/\/www.usagencies.com\/car-insurance\/alabama\/\" target=\"_blank\" rel=\"noreferrer noopener\">first offender<\/a> is up against:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>At least a 90-day suspension of your driver\u2019s license&nbsp;<\/li><li>A fine of at least $600 and as much as $2,000&nbsp;<\/li><li>A $100 Driver Trust Find fine&nbsp;<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Mandatory DUI school sign-up and attendance&nbsp;<\/li><li>The possibility of up to as much as one year in prison&nbsp;<\/li><li>Depending on the circumstances, the possibility of an ignition interlock device (which, by the way, you have to pay for)&nbsp;<\/li><\/ul>\n\n\n\n<p>Keep in mind, that\u2019s just the possible set of penalties for a first offense with no aggravating circumstances. The penalty load escalates dramatically for each subsequent conviction over a stated period of several years. And that doesn\u2019t even count the cost of hiring a lawyer, potentially losing your job or missing pay periods, or the additional penalties if the DUI results in injury or death to others.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Okay, So I Got a DUI in Alabama. Now What?\u00a0<\/h2>\n\n\n\n<p>Your license will be suspended for a period of time or even revoked as a result of your DUI conviction, depending on whether or not this is your first DUI. That\u2019s unavoidable. Additional fines and possible jail time will go into effect if you are caught driving while your license is suspended.&nbsp;<\/p>\n\n\n\n<p>For drivers with jobs and family responsibilities, the license suspension or revocation might hurt most of all.&nbsp;<\/p>\n\n\n\n<p>How do they stay employed? Get the kids to school and back? Buy groceries and run errands?&nbsp;<\/p>\n\n\n\n<p>The state won\u2019t give you your driver\u2019s license back until the suspension period has ended and you\u2019ve obtained and filed a legal document known as an SR-22 certificate. This is proof that you have at least minimal liability insurance.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Most drivers with a DUI in Alabama look for minimal liability coverage because it\u2019s the cheapest form of car insurance available. This is important because the cost of your auto insurance can nearly double after a DUI. At the very least, it will increase considerably. That\u2019s because no matter how careful a driver you\u2019ve been over time, insurance underwriters now consider you to be a high-risk driver.&nbsp;<\/p>\n\n\n\n<p>As a result of the skyrocketing cost for coverage, motorists with a DUI on their records need to shop very carefully to get behind the wheel again. Liability insurance is cheaper because it doesn\u2019t pay any of <em>your<\/em> costs if you get into an auto accident that\u2019s your fault. But it will pay for injuries and collision costs sustained by the other driver \u2013 and it is required.&nbsp;<\/p>\n\n\n\n<p>In other words, you\u2019ll still be financially responsible for repairing or replacing your own vehicle if you only have liability insurance and get into a collision that\u2019s your fault. You\u2019ll also be on your own if your car is lost or damaged through theft, vandalism, fire, or any other non-collision incident. But this minimal form of coverage will at least enable you to drive legally, and you can upgrade your coverage in the future.&nbsp;<\/p>\n\n\n\n<p>That\u2019s some of the good news that you\u2019ll read about in the next section\u2014the situation really can get better.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Good News is That Your Bad News<strong> <\/strong>Isn\u2019t Permanent\u00a0<\/h2>\n\n\n\n<p>Even good people and safe, responsible drivers can make big mistakes.&nbsp;<\/p>\n\n\n\n<p>The Alabama legal system and automobile insurers realize that a first offense should not result in a lifetime punishment. That\u2019s why the force of your DUI conviction diminishes over time.&nbsp;<\/p>\n\n\n\n<p>Once your driving privileges are restored, Alabama drivers begin again with a clean slate. While your status as a high-risk driver means that car insurance companies will either charge you higher rates or not cover you at all, even this hardship goes away eventually.&nbsp;<\/p>\n\n\n\n<p>In time, the old conviction won\u2019t hold as much power over underwriters. As long as your driving record stays otherwise clean, you\u2019ll start to get rates that are similar to what drivers without DUI convictions pay.&nbsp;<\/p>\n\n\n\n<p>In the meantime, your independent insurance agent will work hard to help you find the lowest possible rates for your insurance by seeking quotes from multiple insurers. Everyone should be able to get car insurance, even drivers with poor records, including DUIs.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get Back on the Road!\u00a0<\/h2>\n\n\n\n<p>Even the most responsible people with good jobs and families sometimes do the wrong thing. Your DUI is probably a once-in-a-lifetime offense, yet you still have auto insurance challenges. Fortunately, you don\u2019t have to face those steep obstacles on your own.&nbsp;<\/p>\n\n\n\n<p>You can find an insurance company that will help you jump through the SR-22 certificate hurdles in Alabama. Be sure and shop around for car insurance you can afford after your license is reinstated.&nbsp;&nbsp;<\/p>\n\n\n\n<p>All drivers should be able to get back on the road with coverage they can afford.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Call USAgencies For an SR-22 Insurance Quote and Get Your Driving Life Back on Track\u00a0<\/h2>\n\n\n\n<p>The three-step process for getting SR-22 insurance through USAgencies couldn\u2019t be easier. Just reach out to an agent, and we\u2019ll start the process.&nbsp;<\/p>\n\n\n\n<p>Call USAgencies at <a href=\"tel:(800)%20420-3712\" target=\"_blank\" rel=\"noreferrer noopener\">(800) 420-3712<\/a><strong> <\/strong>or fill out our brief <a href=\"https:\/\/www.usagencies.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">online<\/a> form to receive a quote. We\u2019d also love to meet you in person. Check out <a href=\"https:\/\/www.usagencies.com\/locations\" target=\"_blank\" rel=\"noreferrer noopener\">a location near you<\/a>.\u00a0<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"https:\/\/www.usagencies.com\/car-insurance\/\">Get a Quote<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"tel:800-420-3712\">Call Us<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-red-background-color has-text-color has-background\" href=\"https:\/\/www.usagencies.com\/locations\">Find Your Office<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The short answer is yes, you can. There are many things to take into consideration, however. There\u2019s not much that\u2019s more troublesome than seeing the red and blue flashing lights of a police car in your rearview mirror. That\u2019s especially true when you\u2019ve had too much to drink and made a decision to get behind [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":3653,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14,29],"tags":[],"class_list":["post-3651","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-auto-insurance-alabama"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3651"}],"collection":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/comments?post=3651"}],"version-history":[{"count":1,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3651\/revisions"}],"predecessor-version":[{"id":3654,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3651\/revisions\/3654"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media\/3653"}],"wp:attachment":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media?parent=3651"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/categories?post=3651"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/tags?post=3651"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}