Find out how much Progressive DUI insurance rates California are after DUI/DWI conviction. If you have a DUI on your record, chances are you will never find a lower rate in CA than Progressive.
Progressive Insurance Cost In CA After DUI
When you have had a DUI or DWI in CA there are some challenges and issues that crop up when you try to get insurance coverage. One of the biggest insurance providers out there is Progressive, and with all of the television and radio commercials they do, many people who have a DUI in their past history may want to get a quote from them.
But does Progressive provide CA auto insurance for those who have had a DUI, and if so, what sort of restrictions are there? We will cover everything that you need to know about Progressive DUI insurance rates California below, as well as discuss pricing and options.
Does Progressive Offer DUI-Friendly Insurance?
You can definitely get DUI friendly insurance from Progressive if you know where to look. However, there are going to be some restrictions. Progressive says that if you have a DUI in your driving record, it is very likely that your insurance premium will be increased. Of course, Progressive is not the only insurance company with that policy. People who have a history of driving under the influence are considered a higher risk than those who have not been caught doing it.
Just like with any other driving violation, Progressive looks at your driving record to discover what your history looks like. If you have a DUI on your record, it is going to have an effect. You are also going to see your premium be affected if you have other driving violations such a speeding, running stop signs or any driving behavior that is considered unsafe. Progressive DUI insurance rates California are still less than most other companies.
If you only have a couple of tickets over a long period of time, your insurance premium may not increase at all, or only by very little. However, that is not going to be the case with a DUI. if you have a CA DUI on your record, then it is almost a certainty that your rates are going to be higher. The nice thing is that Progressive will insure you if you have had a DUI or DWI. That is not the case with every insurance company. There are quite a few of them out there that will not insure you at all if you have a driving-under-the-influence conviction on your record. Even though you may have to pay more for Progressive DUI insurance rates California, at least you are able to get insurance and keep driving your vehicle, as long as your state allows it.
One thing that you should be aware of is that you may have to go with high risk insurance called SR-22. SR-22 insurance is a type of insurance that the state requires when you have a risky driving history. This is not usually a determination made by the insurance company. It is usually a decision that is made by the courts, or by the policies of the Department of Motor Vehicles. How long you have to carry SR-22 insurance varies depending upon the policies of CA. It may also be based on the circumstances surrounding your conviction.
You do want to be aware that with one DUI conviction, you can still get insurance, even if you have to pay a little more for Progressive DUI insurance rates California. However, if you get more than one DUI/DWI conviction than you may have a very difficult time getting insured by anyone. An accident can cost an insurance company a great deal of money, not to mention the risk to injury potential injury to other drivers involved. The way that insurance companies make money is by betting that you aren't going to have an accident. If you have two or more DUI convictions, then you have established a pattern and you will probably be uninsurable until you take drastic steps to correct the problem.
Progressive DUI Insurance Rates California - The Bottom Line
We hope this article on how much Progressive DUI insurance rates California are after a DUI or DWI has been informative. The bottom line here is the Progressive is a fair insurance company that will give you the best rate possible even if you have had a DUI in the past. Plus, once you have recovered from that incident and you can show that it isn't going to happen again, and then it's very likely that Progressive will go ahead and lower your rate and get you back to what you were paying before. When that happens, you won't have to worry about the DUI affecting your rate again.
EK Insurance is a licensed & appointed with California Progressive Agent, and can get you DUI or DWI insurance quotes.
CA DUI Insurance Quotes
Request a California DUI Insurance quote in Anaheim, Bakersfield, Chula Vista, Concord, Corona, Elk Grove, Escondido, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hayward, Huntington Beach, Irvine, Lancaster, Long Beach, Los Angeles, Modesto, Moreno Valley, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Pasadena, Pomona, Rancho Cucamonga, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Diego, San Francisco, San Jose, Santa Ana, Santa Clara, Santa Clarita, Santa Rosa, Simi Valley, Stockton, Sunnyvale, Thousand Oaks, Torrance, Vallejo, Victorville, Visalia and all other cities in CA.
The California Department of Insurance
The CA Dept. of Insurance is the regulatory agency behind the insurance rules for the state of California. If you want to understand these rules, then this is definitely the agency that you need to focus on. Let's start with limits within the state.
California Minimum Insurance Limits
- For auto insurance, California requires $15,000 per person and $30,000 per accident.
- For life insurance, there are certain regulations in place to determine how someone is able to get or offer life insurance, but there are no limits listed.
- For commercial insurance, insurance agents may offer broker or casualty insurance as well as covered property insurance, covered causes of loss, specified perils and open perils along with a number of coverage forms like builder's risk, legal liability, building ordinance, glass, peak season, inflation guard and peak element.
CA Insurance Regulations
As for regular insurance regulations there are a lot of things that California provides that you can look up. For example, there are deadlines for the insurer to pay the claim or deny it, deadlines for submitting paperwork to prove a loss for insurance reimbursement, specific information your insurance company is required to give you and regulations on what information you have to provide to your insurance company.
One of the California regulations calls for you to be treated by your insurance company in good faith. This means that your insurer must be considered of your needs and must communicate completely and honestly with you about your policy and everything that you need to know about it in order to make a good decision. In turn, you are legally obligated to be honest and cooperative with your insurance company when it comes to your claim.
You should also be aware that your insurance company is required to offer prompt, honest and complete communications. The company and all of its representatives must respond to your communications within 15 calendar days with a complete response based upon the facts that are known.
Finally, be aware that your insurance company is required to have a fair claims process. Unless it is specified in your policy, you do not have to use the forms that are provided to you by your insurance provider in order to make a claim. You can create a list of losses on your own if you need to. In addition, insurers are not able to ask for unreasonable proof of loss. If you provide photographic evidence or video of items that you lost, insurers are not able to ask you to provide additional information.
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