My boyfriend is charged with DUI here in New Jersey. I know that’s worse but what makes it even worst is that it’s his second time for DUI charges. I don’t know what to do anymore. Can you tell me about penalties for second time offenders of DUI? I know his car insurance rates will balloon. Is there any way that we can perhaps get an affordable DUI insurance?

Len

Trenton, NJ

That’s what I call worse comes to worst. As to your question, the penalty for DUI charges who are second time offenders in New Jersey involves a fine of between $500 and $1,000. That’s not all, there’s also jail time for 30 days and license suspension between 7 months to 12 months.

Moreover, your boyfriend will also be required to get into a intoxicated driver resource center for six hours minimum per day for a period of two consecutive days. And unfortunately, there would be car insurance surcharge amounting to $1000 every year for a period of three years.

To help your boyfriend find affordable DUI insurance here are some things he can do:

• Get DUI insurance from a specialized car insurance company that handles DUI insurance.
• Commute as much as he can so he can lower his annual driving mileage.
• Choose the vehicle your boyfriend drives, he shouldn’t be driving an expensive car.
• Shop for DUI insurance quotes.
• Maintain good driving records.

Now that it’s your boyfriend’s second time to get DUI charges I’m hoping there wouldn’t be a third time. Hope you can help him improve his driving behaviors. Drive safe!

I have a DWI charge here in New Jersey and one of my main concerns is my car insurance. Is it true that a car insurance policy with SR22 insurance coverage means that I would have to pay higher premiums?

Helen

Newark, NJ

Yes, it’s true that after your DWI charge in Newark, New Jersey, I’m sure that you will soon realize that since you have to obtain an SR22 car insurance, your premium rate would not be cheap. The reason for this is simply because anyone who needs SR22 car insurance is said to be considered a high risk driver. But consumers don’t pay the high price blindly because they must realize beforehand just how expensive the car insurance would be.

Shopping around could probably help to reduce drastically the price of your car insurance policy. You could definitely check with your local insurance companies to see how much they would charge to provide you a car insurance policy with SR22 car insurance coverage. But before accepting or signing onto one specific insurance company, you might also want to check around on the Internet and see what type of pricing you could get. The more that you shop around, the better of a chance that you would have in obtaining a less expensive car insurance policy with SR22 insurance coverage. I’m sure that you could definitely get a low premium rate for SR22 car insurance if you start your search by getting an online rate quote available from this website.