There are many drivers today who get behind the wheel under the influence even though it makes them incapable of driving the vehicle safely.
DUI is a primary cause of mortality and accidents that lead to billions in damages every year.
Affected persons also end up spending a lot repairing cars, court fees, and nursing injuries among many others.
Note that vehicle owners face high – risk status when in the market shopping for DUI auto insurance.
Some will even get their existing policies cancelled.
Although some insurance providers are willing to deal with such individuals, locating the best coverage at an affordable rate is a monumental task.
Valuable information you should be armed with in such a situation include:
Be Prepared to Pay a Lot More
Increase in vehicle insurance policies is automatic for anyone who has a DUI mark on their DMV record.
The excess could see you pay up to six thousand dollars more than if you had a “clean” record.
Keep in mind that insurers usually determine monthly rates by figuring out how risky a person is to insure.
Other factors they consider could include: the type of car you drive, age, place of residence, driving infractions on record, the number of violations on record.
Much Dreaded SR-22
The SR-22 is a form that drivers must fill after a DUI charge in most states.
DMV uses this to see if you have valid insurance coverage.
Also referred to as financial responsibility filing or certificate of insurance, the vehicle liability insurance document is even for drivers who have had their licenses revoked for other severe infractions although it is usually associated with DUI offenses.
Insurers fill the form on behalf of the driver with the Department of Motor Vehicles.
It proves that the offender has bought at least the minimum amount of vehicle insurance that the state requires.
Note that not all insurers will be willing to fill the form; thus, you need to shop around until you identify the one that does not have a problem doing so.
You will Endure High Rates for A Few Years
After getting DUI conviction, you will have to be paying the rates for several years.
Different states vary in regards to how long DUI stays on the record.
For example in California, the record will remain for at least ten years.
During this time, it will almost be impossible to receive good driver discounts.
Remember that when looking for ideal DUI auto insurance, you must reveal to potential insurance companies that you have committed the offense.
Failing to do so will only you hurt you and may cost a fortune in future.
Chances of getting accurate insurance quotes and staying out of trouble increase when a person is upfront.
In the end, it is best to remember that driving while intoxicated is never a good idea for anyone.
Catch a cab or sleep at the nearest motel when you have heard a few too many and you will not only save a life but save thousands of dollars as well.