How Long Does A DUI Affect Your Auto Insurance Rate?
When it comes to auto insurance premiums, we all have some control over how rates can affect us. You have the opportunity to assume more of the risk with higher deductibles, just carrying liability coverage on older cars, getting discounts for not receiving speeding tickets, in general just being an overall good driver. However, for some avoiding such incidences seem to be difficult so if this applies to you don’t freight, there is still hope for obtaining insurance. With all the things that can effect your insurance premium getting a DUI has got to be one of the toughest things that can follow you for a long time. We’re talking several years to come. This is because you’re now classified as a “high Risk” driver. That puts you into a whole new category. So to the question of how long does a DUI affect your auto insurance rate? For approximately employment laws uk 3 years per incident. Unfortunately being classified as a high risk driver you now bare the mandatory requirement that you carry what’s referred to as an SR22 insurance policy for 3 years. Do you know what an SR22 insurance policy is? Well if you don’t know, it’s a policy reserved for DUI drivers when they get their drivers license back. This is the highest risk policy an auto insurance company can cover on an individual. Be careful to watch for notifications from your current insurance carrier because some major carriers will drop you as a customer after a DUI conviction once placed on your driving record. This is part because some carrier won’t insure “High Risk” policies to drivers with that status. However, you still need auto insurance coverage right? And you still can but at about 2-3x the regular rate for high risk or DUI insurance coverage.