AUTO INSURANCE ARTICLE
How Does A DUI Affect Your Car Insurance?
By: RoryFA DUI is driving under the influence. Many people think that driving under the influence only applies to alcohol consumption. However, you can drive under the influence of narcotics, prescription drugs or other controlled substances. A DUI puts you into a high-risk category for car insurance companies and results in higher rates. Points from a DUI remain on your record for years and cost you over the long-haul.
First Offense with DUI Ticket Forgiveness
The first offense with a DUI ticket will raise your car insurance rates. The amount it raises will depend on how long you’ve had a previous clean-driving record. Some insurance companies are forgiving when it comes to DUI for the first offense. They use this forgiveness as a promotional tool by advertising that they will not raise your rates for one DUI ticket. However, these companies generally have higher insurance premiums as whole for their various types of coverage.
Multiple DUI Offenses Dropped Coverage
Regardless of the car insurance company, most will appreciably increase your rates if you have multiple DUI offenses. Some companies will drop you as a customer and refuse to cover you with multiple DUI offenses. It varies from company to company. Be certain to read your car insurance policy carefully to find out their policies on multiple DUI offenses.
Points Against Your Car Insurance
Each time you have a traffic violation or car accident, insurance companies give you points. These points stay on your record for several years. Insurance points from a DUI stay on your record for around 7 years in most states. The higher your points, the higher your car insurance premiums will be. One simple or even multiple DUI offenses will cost you for 7 or more years on your car insurance premiums.
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