There are options if your current insurer cancels your policy or raises your premium as a result of your DUI. Think twice before driving while under the influence of drugs or alcohol. Roughly 28 Americans are killed in drunk driving accidents every day according to the National Highway Traffic Safety Administration. A DUI conviction will permanently influence your lifestyle and financial stability. If you do get your first DUI conviction, learn from your mistake and do not repeat that action. Never drive when under the influence of drugs or alcohol.
Call Your Insurance Agent For Options
Call your Insurance Agent and speak frankly about what happened so they can explain the available options and possible rates with you. Whenever a driving violation raises your rates, it’s an opportunity to shop around for car insurance to ensure you get the best deal. After a DUI conviction, you’ll want to look for the best rates and offer coverage to high-risk drivers. Just make sure your new insurer knows of your DUI. You will pay more than a motorist in good standing but the difference between the highest and lowest rates you are given might surprise you.
If You Have Multiple Offenses
A conviction for driving under the influence of alcohol or drugs typically has multiple serious consequences, including a major impact on your auto insurance. It’s unlikely with a first-offense DUI that you’ll be denied coverage by all conventional insurance providers, but that could happen if you’ve had a prior DUI or if you have many other recent offenses on your driving record. In that case, your only resort for an auto policy may be your state’s high-risk insurance pool. Every state has one, and none of them is inexpensive but it’s available as a last resort.
Give It Time
In most states, a DUI “falls off” your driving record within five years, but in many states, it will persist for 10 years. Florida keeps it on your record for 75 years, and in Alaska it will remain forever. When (or if) the offense disappears from your driving record, the offense no longer affects your insurance eligibility or rates, so eventually you may be able to get affordable coverage again.
Use Public Transportation For A Few Years
Buses, cabs, and services such as Uber and Lyft may be less convenient than having your own car but using them for a few years could be more affordable than paying for high-risk auto insurance. Just be aware that a long gap in your insurance coverage history may contribute to your premium being higher when you get another policy. Repeat DUI convictions result in harsh penalties including prison time and the inability to obtain auto insurance.
Rollins Insurance is an independent insurance agency providing our clients the best prices with the most coverage possible since 2008. We represent multiple A-rated insurance companies to make sure we deliver the most competitive rate packages to our clients in Kentucky and Ohio. We find that most people are under-insured and over-paying when we meet them. We love what we do and our primary business is Personal Auto, Homeowners, and Life and Health insurance. We are a family-owned and managed business that specializes in providing needs-based insurance services.
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