Maryland Car Insurance — Driving Under the Influence, Adolescent Drivers, and SR-22
Insurance companies examine every aspect of their potential clients. They try to find risk markers in order to assess the proper rates with which to charge them. As it often happens, motorists who have previously been convicted of DUI have to pay more than the average. The same thing goes with adolescent drivers and people who have been directed to file an SR-22. However, there are some exceptions to the rule so don’t worry if you fall into any of these categories. Read on to discover how to reduce your premiums despite a tainted record.
MD Car Insurance for Teenage Drivers
Due to inexperience, young motorists are prone to traffic violations and road accidents. Lawmakers sought to minimize the number of casualty among them by regulating the way they drive. These GDL laws have been passed in most states with a few variations. In the case of Maryland, the following restrictions apply:
GDL Law Requirements for Maryland
|Learner’s permit||15yrs old & 9mos|
|Intermediate Stage||16yrs & 6mos|
|Mandatory Learner’s Permit Hold||9mos|
|Supervised Practice||60hrs; min. 10hrs during the night|
|Unsupervised Nighttime Driving Ban||Yes; prohibition during 12:00MN-5:00AM (intermediate stage)|
|Passenger Restrictions||Yes; no passengers younger than 18yrs old within first 5mos|
|Cell Phone Use||Prohibited, with the exception of emergencies|
|Texting While Driving||Prohibited|
DUI Insurance in Maryland
DUI is taken very serious in the state of Maryland. Drivers who are caught red-handed by police officers must deal with stuff penalties. It would largely depend on the Blood Alcohol Level (BAL) findings. Fines will range from $500 to $2,000. The license could be suspended for as long as one full year. Jail time may be imposed if warranted, especially if the BAL is high and a minor was among the passengers. The judge may also order six-months of ignition interlock tracking, community service of up to 50 hours, alcohol treatment, or vehicle impound lasting 10 days.
SR-22 Insurance in Maryland
The SR-22 is only deemed necessary for a limited number of cases. Usually, the driver has displayed risky behavior like drunk driving, failing to carry proof of insurance, being involved in an accident while uninsured, and so on. The document is an acknowledgement of compliance with the law as regards to the minimum insurance coverage. He will have to obtain the SR-22 so that his suspended license can be reinstated.
There are just too many hassles associated with driving without insurance. Motorists should not take chances as anything can happen while on the road. Those who are avoiding this due to financial constraints can try to find low-cost options in their area. Marylandcarinsurancequotes.org has a search tool which is capable to collating the freshest rates anywhere in the state. Hunt down the lowest Maryland auto insurance quotes that will fit the budget.
Don’t take risks. Search for Maryland car insurance quotes today and grab the best deal you can find.
For even more savings, you can check out our city-specific reports on:Maryland Gov Website
Maryland Insurance Administration