Getting a DUI or other conviction can be a stressful and overwhelming experience. It may not only affect your personal and professional life but also make it more difficult for you to get vehicle insurance. Many auto insurance providers refuse to insure drivers who have a history of DUIs or other offenses. Yet, following a DUI or other conviction, there are actions you can take to obtain auto insurance. What you need to know to obtain auto insurance following a DUI or other conviction is covered in this article.
Understand the Impact of a DUI or Conviction on Your Car Insurance
A DUI or other conviction can significantly impact your car insurance rates. Car insurance companies see drivers with a history of DUIs or other convictions as high-risk drivers. As a result, they may charge higher premiums or even refuse to insure you altogether. You might need to get an SR-22, or a certificate of financial responsibility, to show you have auto insurance in particular circumstances. An SR-22 can be expensive, so it’s essential to understand the potential costs associated with a DUI or conviction.
Shop Around for Car Insurance
If you have a DUI or other conviction on your record, shopping around for car insurance is essential. Not all car insurance companies treat high-risk drivers the same way, and some may be more willing to provide coverage than others. Start by doing some research online and comparing rates from different car insurance companies. Ask inquiries and be honest about any prior DUIs or other convictions you may have without feeling awkward.
Consider a High-Risk Car Insurance Company
If you’re having trouble finding car insurance from a traditional car insurance company, you may want to consider a high-risk car insurance company. High-risk car insurance companies specialize in providing coverage to drivers with a history of DUIs or other convictions. While their rates may be higher than traditional car insurance companies, they may be your only option for obtaining coverage.
Take a Defensive Driving Course
One way to show car insurance companies that you’re a responsible driver is by taking a defensive driving course. You can learn how to avoid collisions and lower your risk of obtaining a DUI or other convictions in the future by taking defensive driving courses. Several vehicle insurance companies offer discounts to policyholders who have completed defensive driving courses, which can be used to lessen the financial burden of otherwise prohibitively expensive premiums.
Maintain a Clean Driving Record
Maintaining a clean driving record is the best way to keep your car insurance rates low. Avoid getting additional DUIs or convictions, and keep your driving record as clean as possible. Over time, car insurance companies may be willing to lower your premiums if they see that you’re a responsible driver.
Consider Increasing Your Deductible
After a DUI or other conviction, you may find that auto insurance is too expensive. If this is the case, consider raising your deductible. The deductible is the out-of-pocket expense you’ll bear before your auto insurance takes effect. Your monthly premiums can go down if you raise your deductible. However, remember that if you get into an accident, you’ll be responsible for paying a higher out-of-pocket cost.
Getting car insurance after a DUI or other conviction can be a challenge, but it’s not impossible. By understanding the impact of a DUI or conviction on your car insurance rates, shopping around for car insurance, considering a high-risk car insurance company, taking a defensive driving course, maintaining a clean driving record, and increasing your deductible, you can increase your chances of getting affordable car insurance. Remember, it’s essential, to be honest with car insurance companies about your history of DUIs or other convictions.
Can I still get car insurance after a DUI or other conviction?
Yes, you can still get car insurance after a DUI or other conviction, but it may be more challenging and expensive than getting coverage with a clean driving record.
Will a DUI or conviction affect my car insurance rates?
Yes, a DUI or conviction can significantly increase your car insurance rates, with an average increase of 80%. Your rates may be affected much more if you are convicted of a driving-related offense and are subsequently compelled to submit an SR-22 with your state.
Will all car insurance companies offer coverage to drivers with a history of DUIs or convictions?
No, not all car insurance companies offer coverage to drivers with a history of DUIs or convictions. Some companies may refuse to insure high-risk drivers, while others may only offer limited coverage or higher deductibles.
How can I find car insurance after a DUI or conviction?
To find insurance companies that will cover high-risk drivers or that will give discounts for taking a defensive driving course, you can do some research online. Compare rates and coverage options, and be honest about your history of DUIs or convictions when applying for coverage.
How can I lower my car insurance rates after a DUI or conviction?
After a DUI or conviction, your auto insurance premiums may decrease if you take a defensive driving course, keep a spotless driving record, raise your deductible, look around for better rates, and be patient. Over time, car insurance rates may decrease as you demonstrate responsible driving habits.
How long will a DUI or conviction affect my car insurance rates?
The length of time a DUI or conviction will affect your car insurance rates varies by state and insurance company. In general, the impact of a DUI or conviction on your rates will decrease over time as you demonstrate responsible driving habits.
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