Making Sure My Family Is Covered

« Back to Home

Does A DUI Conviction Automatically Lead To Higher Insurance Rates?

Posted on

A DUI can have a long-term impact on your life. Not only will you have to deal with legal fees, but there is also the possibility that you will lose your driver's license. Once you have been convicted, your auto insurance rates could even be impacted. If you have a DUI and are looking for coverage, here is what you need to know:

What Impact Does a DUI Have on Your Auto Insurance?

One of the more unfortunate consequences of being convicted of a DUI is that you are now considered to be a high-risk driver. Therefore, you will face higher premiums. Depending on your auto insurance company, the amount could be hundreds of dollars.

There is an added challenge with getting auto insurance after a car accident that you must consider. After the conviction, you could be required to get an SR-22. The form is proof that you provide to your state's Department of Motor Vehicles to show that you have met the requirements for financial responsibility. The coverage is often far more expensive, but without it, you could be required to surrender your license.

What Can You Do to Lower Your Premium?

One of the first steps you can take to attempt to lower your auto insurance payments is to take a driver's education course. Even if you have been a licensed driver for years, taking the course could result in the insurance company giving you a discount on your premium. Once you have completed the course, provide the certificate of completion to your coverage provider.

You should also check with your insurance company to find out which discounts you might be eligible for. For instance, if you have your home, boat, and car covered by the company, you might qualify for a multi-policy discount. The savings might be small, but every little bit counts.

In addition to these measures, you need to focus on being a better driver. Any subsequent DUIs will make it increasingly more difficult for you to get coverage. If you have been drinking, catch a taxi home. You also need to avoid getting any traffic citations by following the law. Just one speeding ticket could have a major impact on your premiums.

Not all insurance companies are the same. You might be able to find one that has lower rates for coverage even though you have a DUI. Take the time to comparison shop and look for discounts along the way.

Contact a company like Matlack & Company for more information and assistance. 


Share