People know that DUIs are serious offenses. What they don’t always realize is how they can impact you financially. In this blog post, we’ll talk about the relationship between DUI convictions and car insurance rates.
What Is DUI?
DUIs are convictions that result from driving under the influence of alcohol or drugs. They can be misdemeanors, such as a first-time offense with low blood alcohol content (BAC) or felonies for repeat offenses involving higher BAC levels and other circumstances.
The Financial Impact of DUI
Even if you’ve never had a DUI, you may notice an increase in your car insurance rate. Suppose you have established that you are a safe driver and never file claims for property damage or injuries resulting from accidents with other drivers. Why would your rates go up?
The simple reason is that DUIs result in higher premiums across the board – even if they’re your first offense.
What’s a Good Rate?
The best way to shop for car insurance is by comparing rates among at least three companies before choosing an insurer. The average cost of DUI-related premiums varies widely depending on the state and city you live in and how many DUIs you have received within your driving history. For example, a first-time DUI could cost you approximately $20 more each month for car insurance in Seattle. In Chicago, the same offense could increase your monthly car insurance premiums by as much as $115.
The Price of Repeat Offenses
Repeat offenses result in even higher rates because it shows that your premiums did not accurately reflect the risk level you posed as an insured driver.
What Can You Do?
If you’ve been convicted of DUI, it’s important to remember that not all insurers view DUIs equally. Some may be more lenient than others when determining rates for customers with a history of impaired driving convictions and accidents.
The only thing in your hands is to fight it with all your might. Hire an excellent traffic violation lawyer like Mitchell S. Sexner & Associates LLC for this purpose to handle things efficiently. This is the only way to get all the charges dropped and bring the overall cost of your car insurance down by a considerable margin.