Author: Brian C. Williams | Date: January 3, 2018 | Please Comment!

Driving under the influence (DUI) or driving while intoxicated (DWI) is taken as an offense where one is operating or driving a motor vehicle while impaired by alcohol or other drugs.

It can affect the driver, passenger, pedestrians or motorcyclist.

The driver may be faced with financial problems both short term and long term.

In current insurance, there exists an insurance policy that helps the DUI offender or those convicted of a DUI.

Many insurance companies are now offering this policy which seems to be somewhat expensive mainly due to the high-risk status that comes with a DUI charge.

It is essential to compare the cost of the many companies that offer DUI auto insurance policy to get one that offers the best rates.

Firstly, DUI conviction always leaves a bad record at the department of motor vehicles (DMV), where records are kept.

These files are used by the insurance companies to calculate rates hence lousy record leads to increase in the rate on the car insurance policy.

The company calculates monthly rate by determining how risky you are to insure.

The DUI rates differ because of some factors including state, age, car type, the total number of driving infractions on your record, and also the kind of driving offences.

Different states have different laws that affect the DUI auto car insurance.

Some require all auto insurance companies that operate in there to have an automobile insurance policy.

The duration or how long the DUI auto insurance affect insurance is spelled out in the company’s guidelines which are governed by the state laws.

One can be listed as a high-risk driver by an auto insurance company if the company, from the records, think they are prone to cause accidents or stopped for driving violations.

Being classified as a high-risk driver can have dire consequences.

Risk of insuring determines which consequence you will most likely face.

The consequences include increased rates, purchase of a more expensive “high-risk” insurance, cancellation of DUI auto insurance.

Most states of department vehicle offices (DMV) require an SR-22form for high-risk insurance policies.

This is a vehicle liability insurance document and is sometimes referred to as a certificate of an insurance policy or financial responsibility filing.

If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.

The first consequence is the most common.

However, there are circumstances that may force the company to cancel your DUI insurance.

If you have a terrible driving record.

You may have a couple of infractions in your name, and you may have filled some accident claims

If you are convicted of DUI before reaching the age of 21

If you are considered a high-risk driver before your recent conviction

So how can you lower your DUI auto insurance rates?

One way is by taking Defensive Driving courses.

It is a typical training that goes beyond mastery of road rules, and it is aimed at reducing the risk of collision.

This can help lower insurance rate by few points.

Another way is by asking the auto insurance company if they offer discounts for combined auto and home policies.

The most comfortable and cheap way is by surveying to determine the company that provides lower rates.

Comments are closed.