Getting car insurance with a DUI does not have to be a challenge. Auto insurance companies consider one’s driving history when deciding on the insurance premiums to be paid. All auto insurance companies today regard people convicted of driving under the influence and driving while intoxicated as high risk. This is why people with DUI’s and DWI’s are charged with higher rates. Your car insurance rate is affected by several factors, but the main one is your level of risk.
They assess the level of risk by trying to determine your probability of being involved in an accident. A reckless driver or one with a DUI or DWI charge is considered riskier than one who exercises caution when driving. Most insurance companies are of the thought that drunk people react slower to situations on the road. Drunk driving is very dangerous, and this is why most states charge people for doing so.
Auto insurance after a DUI is dependent on many factors. The severity of your DUI case is one of the factors determining the cost of your DUI insurance. If your case is not severe, then your chosen insurance company will charge less. Another important factor that determines the cost of DUI insurance is the area you are living in. Laws differ per state, and since insurance companies have to follow the laws of the sates they are in, you find varying costs of DUI insurance per state. Another factor that affects the cost of DUI insurance is whether or not you are a first-time offender. If you are a repeat offender, then your rates will be higher. There are factors such as age and credit score that are also considered in the pricing of DUI insurance covers. One is advised to get quotes from different DUI insurance providers so they can get a feel of what the cost of the insurance is because there is no standard way of determining cost.
To get DUI insurance most states require people to get SR-22 forms and report them to their department of motor vehicles. This is a form showing financial responsibility for high-risk drivers.
There are insurance providers today who provide support to high-risk drivers, so you do not have to worry if your insurance provider sends you a non-renewal after a DUI charge. You can lower the cost of DUI insurance by bundling policies, taking a driver safety course, and getting many cars on your policy amongst others. Shop around to get the best rates.