Getting caught Driving Under the Influence (DUI) of alcohol would not only mean suspension of your driving privileges and some hefty fines to pay, it also has long-term repercussions both on your driving record and especially on your car insurance rates. You can even go to jail if the gravity of your offense is heavy enough. That's definitely not the slap-in-the-hand most people expect after getting pulled over for DUI.
Aside from the fact that it's a big hassle, a DUI would also put you under the high-risk category of your insurance company. One of two things is bound to happen: 1.) They would drop you as a customer and you would need to find another carrier willing to take you in (with usually a higher DUI Insurance rate in exchange), 2.) Your carrier keeps you but charges you exceptionally high premiums anyway. If this does happen to you, here are some tips you should know:
An excellent driving ticket is your ticket to get your rates back on track. Any additional accidents or violations you incur within the three-year period after your DUI would only serve to push your DUI auto insurance rate even higher.
Take care to avoid allowing your SR22 insurance coverage to lapse or get canceled. It would be doubly-difficult to get another provider next time and might even cause you to pay much higher premiums.
Look for a car insurance company that specializes on high-risk/DUI cases. Most of the time you can get better a DUI insurance rates with them, compared to a general-coverage insurance company.
Take defensive driving classes, install additional seat belts or car locks on your car, reduce your annual mileage to under 15K, and ask your carrier what other steps you can take to reduce your risk as a driver, and along with it your premiums.
It usually takes three-years worth of responsible driving and continuous car insurance coverage for you to recover from a drunk driving arrest and get your DUI insurance rates lowered. Your full commitment is necessary to accomplish this, but the money you can save for getting yourself back on track can be quite substantial.
Aside from the fact that it's a big hassle, a DUI would also put you under the high-risk category of your insurance company. One of two things is bound to happen: 1.) They would drop you as a customer and you would need to find another carrier willing to take you in (with usually a higher DUI Insurance rate in exchange), 2.) Your carrier keeps you but charges you exceptionally high premiums anyway. If this does happen to you, here are some tips you should know:
An excellent driving ticket is your ticket to get your rates back on track. Any additional accidents or violations you incur within the three-year period after your DUI would only serve to push your DUI auto insurance rate even higher.
Take care to avoid allowing your SR22 insurance coverage to lapse or get canceled. It would be doubly-difficult to get another provider next time and might even cause you to pay much higher premiums.
Look for a car insurance company that specializes on high-risk/DUI cases. Most of the time you can get better a DUI insurance rates with them, compared to a general-coverage insurance company.
Take defensive driving classes, install additional seat belts or car locks on your car, reduce your annual mileage to under 15K, and ask your carrier what other steps you can take to reduce your risk as a driver, and along with it your premiums.
It usually takes three-years worth of responsible driving and continuous car insurance coverage for you to recover from a drunk driving arrest and get your DUI insurance rates lowered. Your full commitment is necessary to accomplish this, but the money you can save for getting yourself back on track can be quite substantial.
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