What You Need to Know About DUI Insurance
Today, it is not as difficult as it was some years back for one to get car insurance with a DUI. Auto insurance companies consider one’s driving history when deciding on the insurance premiums to be paid. You fall under the high-risk category if you have ever been arrested for driving under the influence or driving while intoxicated. This is why people with DUI’s and DWI’s are charged with higher rates. Though insurance companies look at several factors when assessing clients’ applications for car insurance, your level of risk is the main one. Read more here.
They assess the level of risk by trying to determine your probability of being involved in an accident. If you exercise caution when driving and have never been charged with a DUI or a DWI, then you fall under the low-risk category, and will have lower charges than reckless drivers. Insurance companies charge such high rates on car insurance for people with drinking histories because one is more likely to react slower to a situation on the road when drunk than when sober. Drunk driving is very dangerous, and this is why most states charge people for doing so.
There are several factors that are considered when determining the cost of DUI insurance. One such factor is how severe your case was. If your case is not severe, then your chosen insurance company will charge less. The second factor is the state you live in. Laws differ per state, and since insurance companies have to follow the laws of the sates they are in, you find varying costs of DUI insurance per state. Another factor that affects the cost of DUI insurance is whether or not you are a first-time offender. First-time offenders are charged lesser rates than repeat offenders. Your age and credit score will also play a role in the determination of your DUI insurance cost. Since there is no standard way of determining the cost of DUI insurance, one is encouraged to ask for quotes from different providers. View here for more info.
To get DUI insurance most states require people to get SR-22 forms and report them to their department of motor vehicles. This is a form showing financial responsibility for high-risk drivers.
You do not have to worry about getting auto insurance after being charged with DUI because the insurance sector today has providers who specifically provide high-risk auto insurance covers. You can lower the cost of DUI insurance by bundling policies, taking a driver safety course, and getting many cars on your policy amongst others. Ensure that you look around before you settle on any provider.
Learn more about this at http://www.huffpost.com/entry/the-internet-search-cost-and-the-auto-insurance-industry_b_5a00ca78e4b05c8418166521.