Effects of Driving Under the Influence on Your Auto Insurance Rates

Your life changes when police officers pull you over and charge you with driving under the influence. A DUI can result in the loss of your license. You might face a significant fine. And you’ll have a serious crime on your record. But what are the effects of driving under the influence on your auto insurance rates?

In short, you’ll pay more for car insurance if you have a DUI on your driving record. And the odds are good that you’ll pay a lot more.

Insurance companies charge higher rates to drivers whom they consider to be high-risk. This makes financial sense; high-risk drivers are more likely to suffer serious car accidents that require big payouts from their auto insurers. Insurance companies view drivers with DUIs on their driving records as high-risk drivers, and will charge them higher rates.

The more difficult question to answer? How high will your particular rate climb after a DUI? Insurance companies consider several factors when determining how much each of their customers pay for insurance. Customers’ driving records are just one part of a bigger equation.

For instance, auto insurers tend to charge drivers less if they install a security system on their vehicles. Others provide lower rates for customers who leave their cars at home during the week and take public transportation to work. Drivers who live in zip codes with less car thefts will pay lower rates, too.

If you want to know the exact effects of driving under the influence on your specific auto insurance policy, you’ll need to call your insurer. Only by talking with your insurance agent they will you get an accurate picture of how your auto insurance rates will change.

One thing is certain, though; once your DUI becomes official, you can expect your auto insurance rates to rise as your insurance company moves you into the high-risk-driver category.

Drunk Behind The Wheels

Results in High PremiumIn most of the countries driving under the influence (DUI) or driving while intoxicated / driving is a criminal offense. The only reasons for most of the auto accidents and injuries in highway are due to fatalities related to alcohol, a number exaggerated, or due to any of the participants is suspected of consuming alcohol beverages in an accident, even the smallest amount, regardless of whether the the cause for the accident was that person or not. Each and every death and single injury is totally preventable which is caused by drink and drive. In the recent decades the proportion alcohol-related crashes has dropped drastically, and such preventable accidents are still many. Unfortunately, this driving with alcohol-impaired is still a serious national problem in spite of great progress, which affects many victims annually.

DUI/DWI  Mandate Laws

In most of the states during a suspension driving privileges can be restored, the restored privileges usually comes out with limitations, but the special hardship must be shown by the drivers. Interlock devices tries to analyze through the driver’s breath and may disable the ignition if the driver has found to be drunk. Most of the states in U.S require DWI and DUI offenders to set up the interlocks on all the vehicles for a safe drive during a suspension of license and the devices are required for a specified time limits even before fully re-licensing the offenders. License revocation or suspension usually follows conviction for alcohol-impaired driving. Administrative license suspension is a procedure under which licenses can be taken before conviction. Since the occurrence of administrative suspension license occurs immediately, sanctions for post -conviction are found less effective.

Promising Measures

  • Impounding or confiscating license plates to indicate that the driver’s license is revoked or suspended for offenses due to alcohol.
  • Young to restrict themselves from night driving
  • Electronically monitoring repeated DWI offenders.
  • By dialing 911 on your cell phones you can report the drunken drivers and drivers involving in it to the law enforcement authorities.
  • Mandating education about alcohol and driving prospective to drivers in every state and adequately testing them in their driver’s exams.

The Effect of a DUI on Your Car Insurance

Effects Your Insurance RatesA DUI conviction is not something to be taken lightly. Even if it’s one-time slip up on your part, society finds driving under the influence of alcohol or drugs reprehensible, and the penalties for a DUI conviction can be stringent. By driving under the influence, you’re not only putting yourself at risk, but also other people, and it’s only logical that your insurance rates increase.

If you’re feeling the effect of a recent DUI on your insurance premium, or if your current insurance carrier decides to terminate your policy, you might want to compare vehicle insurance to see if you can get an affordable rate. Your chances are slim, however, and even if easy car insurance quotes look good, once an insurance carrier checks your record, the initial quote may be revoked.

Before you compare vehicle insurance, it’s sensible to find out what you can do to minimize the effect of the DUI on your record. Even so, you will pay higher premiums for quite a while. You’re best advised to consult with a professional insurance agent who can help you compare vehicle insurance. He or she can also show you how to compare vehicle insurance terms and conditions so you can find out how to reduce the effects of the DUI.

AgentInsure is a nationwide network of insurance experts who can help you compare vehicle insurance so you can select the best plan for your situation. They can also instruct how to clean up your driving record, and compare vehicle insurance to see which policy will work once the DUI is in your rear-view mirror.