Maintaining valid car insurance is vital for any licensed driver. For those with a history of driving violations, obtaining the required SR-22 high-risk insurance form can present an additional challenge. While premium costs may seem daunting, there are steps you can take to reduce expenses without compromising the coverage needed to maintain legal driving privileges.

Here are factors that influence SR-22 rates, ways to improve your insurability, and what to do if your SR-22 insurance is too expensive to help you find the best coverage. Remember that these high insurance burdens are temporary. Focus on the immediate future and establish a longer record of responsible driving to regain lower rates down the road.


Driving under the influence (DUI) is a serious offense that can have life-altering consequences. From hefty fines and license suspension to potential jail time and even loss of life, the repercussions of driving while impaired cannot be overstated.

Each state in the US has its own set of laws and penalties regarding DUIs, leaving many people wondering which states have the strictest regulations in place. Here are a few of the strictest states when it comes to DUIs.


Navigating the delicate path of supporting a loved one through alcoholism recovery is as challenging as it is rewarding. While our intentions may be good, our words can sometimes do harm.

Whether you’re part of a support group or a friend of someone in recovery, it’s vital to understand the language that can support—or undermine—a person’s battle with alcoholism. As you work to become the best support system possible, learn what not to say to someone recovering from alcoholism.


The world runs on wheels, and insurance is the grease that ensures the journey is smooth. Whether you’re a car connoisseur with a beloved vintage model or a business owner managing a fleet, understanding the differences between standard and commercial car insurance is critical in safeguarding your automotive assets.


Car insurance is a must-have for most drivers, and your credit can play a surprising role in how much you pay for that coverage. Let’s address some common misconceptions about car insurance and credit and how it truly affects your coverage options and what you pay.

Car Insurance Rates are Solely Based on Credit Score

Some car owners believe that their car insurance rates are solely dictated by their credit score. While it’s true that credit does play a significant role, it’s not the only determinant. Insurers use complex algorithms that consider a myriad of factors, such as your driving record, the type of car you drive, your location, and even your age. Credit history is just one piece of a larger puzzle.

No Credit History Means High Insurance Premiums

For drivers with little or no credit history, it’s common to think car insurance premiums will be out of bounds. The reality is a bit more nuanced. While it’s true that the absence of a credit history can be a red flag for some insurers, many will still be willing to work with you.

In the event that you have no credit score at all, you might be able to qualify for a “no-credit-check” car insurance policy. These policies typically don’t base your premium on your credit history, making them a valuable option for those just starting out with building their credit.

Credit Checks for Car Insurance Negatively Affect Credit Score

It’s a myth that checking your credit for car insurance hurts your credit score. This is because credit checks for the purpose of insurance are typically soft inquiries, which don’t affect your credit like hard inquiries do, such as when applying for a loan or additional credit. Soft inquiries aren’t visible to lenders, so there’s no need to worry about your credit taking a hit when you shop around for the best insurance deal.

Credit Score Doesn’t Affect Claims and Coverage

Another common misconception about car insurance and credit is that once you have insurance, your credit score is irrelevant. In reality, your credit score can continue to affect your coverage and claims in certain states. Some insurers may look at your score when considering claims or underwriting a new policy.

For example, in the case of a not-at-fault accident, a good credit score might mean your rates won’t be affected as severely as if your score were lower. Always be aware of how your credit report can intersect with your insurance coverage and be proactive in understanding your insurer’s policies.

Car insurance can be complex, especially when it comes to the impact on your credit score. By being informed and asking the right questions, you can ensure you’re not overpaying for your coverage. And, speaking of finding the best deals, if you don’t own a car but still need reliable coverage, consider looking into Serenity Group’s affordable non-owner car insurance, designed to provide you with the coverage you need at a price that suits your circumstances.

Are you tired of not fully understanding the ins and outs of your insurance policy? The jargon and complex terms often make it difficult for policyholders to grasp the details of their coverage. One important aspect that often causes confusion is the role of deductibles in broad form insurance. Understanding how deductibles work can empower you to make informed decisions about your coverage and ultimately save you money in the long run.


Driving under the influence (DUI) is a serious offense that can have long-lasting consequences on your personal and professional lives. In addition to possible jail time, fines, and restrictions on your driver’s license, having a DUI charge on your record can also affect your ability to secure loans in the future.


Beep, beep! Oh look, another text message—but hold on, let it wait. In today’s world of constant communication and the endless need to be connected, it’s harder than ever to keep our focus on the road. That’s why we’re here to provide tips for eliminating distractions while driving so you can reach every destination safely.


You’re cruising down the highway, listening to your favorite tunes, when suddenly you see flashing lights in your rearview mirror. You pull over, and after a brief interaction with the officer, you’re left with a sinking feeling. That’s right, the dreaded SR-22 requirement looms in your immediate future. But don’t lose hope. This essential guide to choosing the best SR-22 insurance will provide you with the knowledge and resources needed to navigate this often misunderstood process. (more…)

You’ve seen the shocking headlines and heard the tragic stories. But have you ever wondered what drives young adults to get behind the wheel after a few drinks? Learn more about why young adults are more likely to drive drunk, and discover some tips for keeping yourself and your loved ones safe on the road.