Reader question:

I’m moving next week and have been getting some preliminary quotes from auto insurance companies for SR22 DUI coverage, and they’re so much lower than my current ones. I mean, I don’t mean to complain, but what happened? How do I make it happen again?

Jaime

Glad you asked, Jaime.

Glad to hear that you were able to get a cheaper SR22 insurance coverage in Michigan. While I can only go by the circumstances you have revealed to me, I would wager a bet that the reason you saw your car insurance premium rates drop so much is because of your move. Now, I’m sure you expected some difference due to a change in area, but you came off as surprised. The reason is that while changing locations but staying in the same setting (i.e. moving from one part of the city to another) may change your premiums slightly, if you move to a different setting (i.e. city to suburbs, suburbs to rural), you will see your rates change more drastically.

One of the reasons for this is because if you are in the city, your Michigan SR22 rates are higher because of crime and traffic. Traffic causes problems in that it makes the instance of car accidents much higher due to the proximity of cars on the road, whereas crime raises comprehensive claims due to car vandalism and theft. So, basically, if you want to happen again, just move as far out into the middle of nowhere as you can.

Cheers,

Fashun Guadarrama.