Understanding DUI Insurance Rates

Hey there! If you’ve been convicted of driving under the influence, then I’m sure you’re already fully aware of the fact that your DUI insurance rates are going to be sky high. However, what you probably don’t know is that there are a few secrets that you can use to save money on your car insurance. Not very many people are aware of these unknown facts and they simply think that just because they were convicted of a DUI that they have to pay more than everybody else. Most of the time this is true, but not in all cases. Click here to compare current DUI insurance rates in your area, then come back and read the rest of this article to see how you can get those rates much much lower.

When you’re convicted of a DUI usually one of three scenarios will play themselves out. The worst case scenario is that your current auto insurance provider will find out that you were convicted of a DUI, terminate your current policy, and leave you hanging out to dry. the second scenario is that your current auto insurance provider will find out that you’re convicted of a DUI, and will still agree to ensure you but for much higher DUI insurance rates. The best scenario possible, and also the most rare, is that your auto insurance provider will never find out that you were convicted of DUI. In this instance, nothing will change; Your auto insurance policy will remain the same and you will continue to be insured as you were, before you were convicted of DUI. Now, I am not one to say whether or not you should report your DUI to your auto insurance agency in the event that you are convicted, all I’m saying is that sometimes they are not made aware of your conviction by the local authorities. In this scenario, your DUI insurance rates will be exactly the same as your normal insurance rates - that would be ideal, wouldn’t it?

Now let’s take the worst-case scenario and say that you actually are terminated by your current auto insurance provider and that you are the left looking for a new insurance agency to insure your vehicle. My best advice here in this case is to shop around. DUI insurance rates are different than normal insurance rates for a number of reasons; the first is that you are automatically placed in a category indicating that you are of highest risk and that my friend, is the most expensive category to be in. Secondly, agencies that are providing coverage for people that have been convicted of DUI’s must furnish a special certificate to the local department of motor vehicles - this certificate is called an SR22 form and is proof of insurance for someone convicted of a DUI. the SR22 form is mandatory and it is required by law that you have one if you are convicted of DUI. if it’s the case that you must obtain an SR 22 form, then there isn’t much else that you can do in terms of negotiating a monthly premium. What I would recommend in this case is that you seek the lowest coverage that you’re willing to accept in order to reduce your monthly premium. When you’re ready, click here to compare DUI insurance rates in your area. Good luck, and safe driving.

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