Most people realize the importance not to drive under the influence of alcohol, drugs, or prescription medication and the high legal penalties and costs associated with it, but not how DUI insurance works. However this is not at all uncommon since a DUI arrest is an unexpected event in life, and most drivers don’t realize how much a DUI offense will affect car insurance with increased costs. If you have any questions regarding how car insurance after a DUI or DWI will affect your rates now or in the future, we can help you save time and money, when a DUI charge can be successfully fought with the proper help in enough time. There is also help for those who have already been convicted of a DUI offense, and trying to afford the best car insurance after a DUI is already on their driving record.
How Much A DUI Will Increase Future Auto Insurance Premiums
So you got arrested and convicted for a DUI/DWI offense, paid the fines, there was no accident, but now it’s time to renew your auto insurance policy. You may have even had your current auto insurance policy dropped or canceled following a DUI, and need to get SR-22 Insurance for “high risk” drivers. Now this is the point when many drivers realize that one DUI or DWI charge – will cost them a lot more than they had originally thought for years to come. A person’s driving record is severely tarnished after a DUI charge, and can bring in enormous unexpected extra costs after a conviction by the car insurance company. This means your rates could double or even more for the first year alone, and these insurance rates will remain higher than normal for at least 5 years following the charge. This can easily add up to thousands of dollars over the next few years.
One of the first things to know about how much DUI insurance rates will cost, is to dispel some common myths. Many drivers assume that the only cost they will face after a DUI or DWI charge conviction, is the fine that the court issued at sentencing. However the actual reality is, the court fines issued are only one part of the lingering cost of a DUI that a person convicted of the offense will face. The loss of your driver’s license, the expense of having the Ignition Interlock device installed, the cost of the Interlock maintenance (approximately $1300 – $1600 year), increased insurance rates, having to take required DUI classes, along with having a criminal record which can interfere with employment and travel, are only some of the average costs a person is going to face after a DUI. With the significantly raised car insurance premiums, some studies have concluded that when a driver is convicted of driving under the influence, the average total financial costs actually end up between $20,000 and $30,000 for a first offense conviction.
There is hope to possibly avoid the full burden of these costs and the high DUI insurance rates involved, but it is essential to have your own arrest details examined online through us by a skilled and local attorney who is up to date with new DUI laws and policies as early as possible after an arrest. Always keep in mind, that only a local DUI lawyer who can review your arrest information and is experienced in DUI law and the very technical aspects of fighting DUI and DWI offense charges, can accurately assess your chances of success and potentially avoid the heavy insurance costs of a conviction.
Why A Car Insurance Company Wants To Know If You Have A DUI Or DWI Charge On Your Record
When a driver has a DUI or DWI offense conviction on their record and wants a quote for car insurance, they will be considered a high-risk driver by any auto insurance company. This is done by car insurance providers after a DUI, because they determine that a person with a DUI charge conviction in their recent background, it will increase the chances from their point of view – that a driver is more likely to have a car accident or second DUI arrest in the future. This is why any type of DUI or DWI record, will be a very large factor in determining how much a person will pay for auto insurance with a DUI on their driving record. Some studies have shown that drivers with a blood alcohol concentration (BAC) of .09 percent or higher, are more likely to be involved in a fatal accident than a driver who is sober. Therefore, what a DUI means to an auto insurance company, a DUI conviction plays an enormous role in predicting the possibility of increased chances for unsafe driving and potential future car accidents.
What Is The Exact Impact Of A DUI Conviction For How Much I Will Pay For Car Insurance?
When getting a DUI insurance quote, and with any type of DUI or DWI offense conviction on a driver’s record, a person’s car insurance rates and even life insurance after a DUI will almost always be higher. However just like the significance of a person’s arrest details are when fighting a DUI charge, the precise amount of how much auto insurance increases after a DUI will depend on the person’s own individual DUI situation. With an average one vehicle car insurance policy, the typical costs can double with a DUI. Therefore, any driving under the influence conviction can be one of the most expensive things to happen to a driver’s auto insurance rates.
Other Ways How A DUI Offense Can Affect Car Insurance Rates
There are a variety of other possible ways of how a DUI offense can drastically affect car insurance payments for a driver. For example, with some auto insurance companies and certain policies, a person who causes an accident during a DUI or DWI offense, certain elements of a DUI driver’s car insurance might be considered void in some circumstances. What this means in regard to DUI and car insurance rates, in addition to any monetary penalties on a person’s auto insurance policy, they also may be required to pay out of pocket for the costs to vehicle repairs and possible injuries to others that may have been involved in the accident. Also, with some DUI auto insurance company providers, there’s also the possibility that a car insurance carrier will choose not to renew a DUI driver’s policy, on the date that the current insurance policy ends. With DUI SR-22 insurance which is common after a conviction, having to find and then pay for new SR-22 or high-risk car insurance, can end up being an expensive ordeal for drivers who have been convicted or plead guilty to a DUI/DWI arrest conviction.
DUI Insurance And New Laws
Each state has strong DUI laws to help prevent drinking and driving, with new state laws being added frequently that include even more costs and penalties. Some of these common new laws include longer driver’s license suspensions for convicted DUI drivers, in addition to the raised cost of buying car insurance after a DUI, once a person’s driving privileges have been restored. In every state in the country, any driver who is arrested for DUI or DWI with a BAC of .08 or higher, is subject to criminal charges, and as most states are now requiring – an ignition interlock device must be installed on a person’s vehicle if they are allowed to drive at all afterwards. The Ignition Interlock device will test and analyze a driver’s breath, and if any alcohol is detected, it then prevents prevent the car’s ignition from starting and also records the incident readings to share with the court. It is important to also keep in mind, that most of these laws, penalties, and DUI car insurance costs are for a first offense conviction. Even just a single drink could have consequences. People sometimes do not realize, that drivers pulled over for a suspected DUI or DWI for illegal drugs or even prescription medicine, are also subject to these same penalties under strict new DUI laws.
How Long-term is a DUI on Insurance costs?
A 1st offense DUI/DWI conviction on a person’s driving record, could remain a large factor for figuring or determining how much a driver will pay for car insurance for as long as 10 years. This will cause a driver to be viewed as a “high-risk” for a long period of time. Consequently as a result, how long it will take to get car insurance rates back to its original and affordable policy before the DUI, will be just as long. This is another vital reason that if you have currently been arrested for DUI charges, that you take the necessary action now by having your particular arrest details thoroughly examined online through us to get the best DUI help available and do all that is possible for winning the case while there is still enough time to fight the case to a successful outcome. This is the best way to potentially avoid the insurance rate penalties and other high costs involved, by avoiding a DUI conviction on your record in the first place.
If you’re looking to learn more about how a DUI will affect your auto insurance rate or coverage requirements, or what steps you need to take after an arrest, please have your own specific DUI arrest details examined online though us today, free and easily to get you the help and direct answers that you deserve.
What is The SR-22 Car Insurance Cost For A DUI?
Getting car insurance after a DUI/DWI offense is available and possible, however a person will likely be very surprised at how much higher the cost for insurance is after a DUI charge, when compared with the regular premiums they paid previously for auto insurance. A person with a DUI offense conviction will likely be required to get an SR-22 with any new insurance policy. An SR-22 is a mandated certificate by the State, which is filed by your car insurance company with the Department of Motor Vehicles (DMV). Even though an SR-22 is generally called “SR-22 insurance,” it actually is not a type of auto insurance in itself. It is rather a mandatory verification that a high risk driver is maintaining their car insurance coverage for liability purposes. DUI car insurance rates will vary, but will cost much more than standard auto insurance would without a DUI and SR-22 as a factor. This is because insurance companies view a DUI offender as a very high risk customer to insure. So the added costs which are included with an SR-22, is a means by which a car insurance company offsets the added risk of providing coverage to a driver with a DUI offense record.
A DUI or DWI offense conviction can have an expensive affect on prices of car insurance for 5-10 years, even for a first-time offender. Usually after this 5-10 year period of time expires, drivers who have held a clean driving record and with no other DUI related arrest issues, can then typically qualify for regular car insurance rates and any applicable discounts. Getting arrested for DUI offense charges is very serious to a person’s future in many respects, with a number of negative ramifications that could result from it. This is especially true when all is done to properly defend and fight against the charges, while there is still time during the case to do so. One of the biggest issues facing people who have been through a DUI/DWI conviction, is how to find affordable insurance after a DUI offense. While buying car insurance for drivers with a DUI offense record will cost more, it is not impossible to find. With proper research and even speaking with an experienced DUI lawyer who is the most knowledgeable person in this field of law to begin with, it is often much easier to find and buy affordable auto insurance, even after a DUI.
How To Get An Affordable DUI Insurance Quote
No matter what point you are at with fighting a DUI case, there is one fact that every driver will face eventually. This is needing to get an affordable DUI insurance quote to maintain driving legally, or getting new insurance before you can get back on the road. Even though it is true that the rates will be higher than standard auto insurance rates, many DUI car insurance companies try to work with drivers to offer affordable coverage, rates, and costs for first-time offenders. Don’t ever risk making a tough situation worse and drive without insurance. It is worth your while to explore DUI insurance quote options and quite possibly find a payment rate that you can afford. We can assist you with answers to your concerns if you are in need of help regarding at any part of dealing with a DUI charge, including finding answers to questions about state DUI insurance rates and costs in: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.