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How can I get automobile insurance after a drunk driving conviction?

If you have recently committed a DUI, you may be wondering how you can get insured. Having a bit too much to drink and then driving is not worth the risk, and can affect the price of your policy. However, there are companies that offer decent rates for convicted drivers.

How much will my insurance increase? 

If your insurer has decided to keep you on their books, your premiums will increase. As soon as you have renewed, you will notice a rise in the price. After a DUI, you can expect to pay up to six thousand dollars more per annum. The insurer also has to evaluate how risky you are to insure. They will look into the following factors:

  • Age
  • The type of vehicle
  • Where you are based
  • Driving offenses on your record
  • The number of offenses on your record

Will I be classed as a high-risk driver?

As soon as you are charged with a DUI offense, you are classed as a high-risk driver. Once you have crossed over the line into the high-risk category, you will experience a lot of changes. Your insurance could increase to as much as double what you were paying before. If you were considered a high-risk before the DUI, then you may not see much change but your insurer may just cancel your policy. The next insurance you can choose is likely to be very expensive. If you were classed as a risky driver before the DUI, then you may face consequences with your current auto insurer. 

I just found out my Car Insurance policy has been canceled

Most car insurers will still cover you. However, they can decide to end your current policy. Your insurer may end your plan after the DUI if your previous record was not particularly good. This can include multiple claims after the accidents you’ve had. If you are under 21 and you commit a DUI, your provider could cancel altogether. If this is your second DUI, your insurance company may drop you, as they can’t risk you committing the same offense. In short, if you were considered a high risk before the offense, it will be hard to convince your provider to keep you. 

What is an SR22?

Once a DUI has been committed, most states will ask that you complete an SR22 form. The SR22 is the DMV’s way of knowing that you have coverage. The form is also used in other offenses where the license has been revoked. If you can’t find car insurance, you may need to give up your license.

How can I reduce my DUI insurance?

With any DUI, your premium will be higher. However, there are some ways you can save a few dollars. Taking defensive driving or other classes may help you knock off a few points. You should also ask your provider if they offer other types of insurance that you can bundle with your auto plan, such as homeowner’s insurance. That way you can combine two types and it may be cheaper. 

If you’ve been charged with a crime or you want to know your rights regarding your recent DUI, please contact visit law4dui for more information where you can find out all the information you need. 

If you have recently committed a DUI, you may be wondering how you can get insured. Having a bit too much to drink and then driving is not worth the risk, and can affect the price of your policy. However, there are companies that offer decent rates for convicted drivers.

How much will my insurance increase? 

If your insurer has decided to keep you on their books, your premiums will increase. As soon as you have renewed, you will notice a rise in the price. After a DUI, you can expect to pay up to six thousand dollars more per annum. The insurer also has to evaluate how risky you are to insure. They will look into the following factors:

  • Age
  • The type of vehicle
  • Where you are based
  • Driving offenses on your record
  • The number of offenses on your record

Will I be classed as a high-risk driver?

As soon as you are charged with a DUI offense, you are classed as a high-risk driver. Once you have crossed over the line into the high-risk category, you will experience a lot of changes. Your insurance could increase to as much as double what you were paying before. If you were considered a high-risk before the DUI, then you may not see much change but your insurer may just cancel your policy. The next insurance you can choose is likely to be very expensive. If you were classed as a risky driver before the DUI, then you may face consequences with your current auto insurer. 

I just found out my Car Insurance policy has been canceled

Most car insurers will still cover you. However, they can decide to end your current policy. Your insurer may end your plan after the DUI if your previous record was not particularly good. This can include multiple claims after the accidents you’ve had. If you are under 21 and you commit a DUI, your provider could cancel altogether. If this is your second DUI, your insurance company may drop you, as they can’t risk you committing the same offense. In short, if you were considered a high risk before the offense, it will be hard to convince your provider to keep you. 

What is an SR22?

Once a DUI has been committed, most states will ask that you complete an SR22 form. The SR22 is the DMV’s way of knowing that you have coverage. The form is also used in other offenses where the license has been revoked. If you can’t find car insurance, you may need to give up your license.

How can I reduce my DUI insurance?

With any DUI, your premium will be higher. However, there are some ways you can save a few dollars. Taking defensive driving or other classes may help you knock off a few points. You should also ask your provider if they offer other types of insurance that you can bundle with your auto plan, such as homeowner’s insurance. That way you can combine two types and it may be cheaper. 

If you’ve been charged with a crime or you want to know your rights regarding your recent DUI, please contact visit law4dui for more information where you can find out all the information you need. 

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How can I get automobile insurance after a drunk driving conviction?