California Car Insurance — Adolescent Drivers, Driving Under Influence, and SR-22
Drivers go through intense scrutiny when they apply for vehicle insurance. Providers are always on the lookout for red flags that indicate risky behavior. Those considered as high-risk individuals are generally asked to pay more than the typical motorist. Among those who make up this group are DUI offenders, SR-22 filers, and adolescent drivers. Despite this classification, there are still ways for them to get insurance at a reasonable cost. The rest of the article will provide details on how this can be achieved.
CA Car Insurance for Teenage Drivers
Adolescent motorists are feeling the impact of various GDL laws which have been passed in a number of state legislatures. In a nutshell, these laws seek to regulate the way in which they can drive as a precautionary measure given the number of accidents involving young people at the wheel. The GDL law for California enforces the following:
GDL Law Requirements: California
|Learner’s permit||15yrs old & 6mos|
|Mandatory Learner’s Permit Hold||6mos|
|Supervised Practice||50hrs; min. 10hrs at night|
|Unsupervised Nighttime Driving Ban||Yes; no driving 11:00PM-5:00AM (intermediate stage)|
|Passenger Restrictions||Yes; max of 1 younger than 20yrs old|
|Cell Phone Use||Prohibited, except for qualified emergencies|
DUI Insurance in California
If you are found guilty of Driving Under the Influence in California, you will have to face harsh consequences. These include imprisonment of 4 days up to 6 months, a fine that is no less than $390 but no greater than $1,000, suspended license up to 6mos, ignition interlock installation, enrollment in the state’s DUI program, and SR-22 filing.
SR-22 insurance in California
Filing an SR-22 is not automatic as this document is required only in selected cases, usually those wherein the offender has been found guilty of the graver violations. Examples are precipitating a dangerous road accident and driving without carrying the necessary insurance papers. Another is being caught Driving Under the Influence. Most of these will force the offender to stay off the wheel due to license suspension which will not be lifted until the SR-22 has been filed properly and the requirements complied with. This is exactly the situation in California wherein the law compels convicted drivers to file the SR-22 prior to the re-issuance of their valuable license.
Car owners simply should not drive without purchasing insurance first because ignoring the law will only lead to more trouble down the line. If money is a concern, then try to look for cheap auto insurance in California. There are many providers which offer reasonable rates. Another issue is the sheer complexity of the paperwork that turns off many motorists. However, there are solutions to this problem like the excellent quote widget below the page. Enter your details in the textboxes and watch as it churns out the relevant quotes for your zip code. CheapCaliforniaInsurance.Org supplies this service for free so don’t hesitate to use it.
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