Reader Question: Help I just received a DUI conviction and now must have a SR22 Delaware certificate so I can drive again. What can I do to get a lower rate quote, this type of insurance is so expensive I dont think I can afford to carry it.

Ronnie

Ronnie, welcome to the world of sh*t happens! The honest and true answer to your question is…its going to cost you my friend. BUT, there are a few things you can do to help lower your SR22 Delaware auto insurance rate.

1. Clean up your credit score, since most of the insurance companies will look at it to determine a premium rate
2. Clean up any driving infractions on your record with defensive driving
3. Check your vehicle for discounts, like an alarm system, anti lock brakes, air bags etc. etc.
4. Check yourself for discounts, like AARP, credit union membership, military or reserve service, even some banks or fraternal organizations.
5. Raise your deductible to the highest level you feel comfortable with
6. Combine your coverage with other lines, like home and auto coverage with the same carrier.

These are basically the same things everyone should be doing for their own auto insurance coverage, but more so for needing SR22 Delaware coverage. You can get a lower rate, just takes time, and lots of shopping around. You should try the zip code box on this site and see the list of agents in your area that are offering coverage. I got faith in you that you will get a lower rate you can afford.