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The cost of auto insurance is something many drivers take for granted. If you are found guilty of driving under the influence (DUI), then its time to re-evaluate your budget as car insurance after a DUI can be very expensive. Not only will many car insurance companies deny you coverage. You have also lost your functional driver status, skipped go (did not collect $200) and went straight to the highest risk category.
The bad news is that auto insurance will be more expensive than ever before after driving under the influence. However, the good news is this high-risk classification will go away. How long a DUI will affect, your auto insurance rates will depend on a number of factors.
How Long Will I Pay Higher Auto Insurance Rates After a DUI?
This depends on where the driving under the influence conviction took place and where you live but higher car insurance rates after driving under the influence last for at least five years on average. In California, however, the penalties may even be higher where drivers with a DUI lose their safe driver status for at least ten years! The cost of a DUI conviction is higher than you can imagine.
How Does an SR-22 Form Requirement Affect My Auto Insurance Rates?
Not all states have an SR-22 form requirement. In those states that do any driver ordered to comply with the SR22 law will be exposed to higher car insurance rates. How long your higher car insurance rates will depend on the length of your SR22 filing requirement and more? However, you can assume the longer you have to file an SR-22 form the longer your higher automobile insurance rates exist.
SR-22 is most commonly issued after a driving under the influence conviction. However, drivers causing an accident with no insurance and other examples of negligence behind the wheel can also be given an SR-22 form filing requirement. The catch here is that many vehicle insurance companies do not file the SR-22. Only a licensed motor insurance company can submit the form your choices become limited. Of course, any auto insurer can file this form. However, it’s their way of saying they don’t want to insure high-risk drivers by not offering the service. Your choices for competitive automobile insurance will become very limited when you have an SR-22 requirement, and most drivers end up choosing a high-risk insurer.
Will a DUI Conviction Affect Auto Insurance Rates for My Spouse?
This a real question as many married couples have joint car insurance policies, and it is not only single people who are convicted of driving under the influence. The easiest way for a spouse to maintain affordable car insurance rates is to purchase a policy excluding the driver convicted of driving under the influence of coverage. If you must maintain joint coverage, think about things like placing the high-risk spouse as the primary driver on the less expensive vehicle. However, you look at driving under the influence conviction affects everybody financially and emotionally.
Who Has Affordable Auto Insurance After a Driving Under The Influence?
Many companies specialize in high-risk auto insurance; however, your choices all depend on where you live. There is no best vehicle insurance company award floating around for all drivers, as everyone has unique needs and expectations from an insurance provider. It’s very important to shop around and compare direct auto insurance driving after influence – DUI conviction. Your rates can quickly increase 200% or more from a single DUI.