How DUI Affects Car Insurance

How DUI affects car insurance

How a DUI Affects Car Insurance

  • It will remain in your record for usually 3 to 7 years.
  • Car insurance companies will view you as a “high-risk”.
  • Over a 10-year period, it is not uncommon to pay $30,000 in additional insurance.

Drunk Driving and Car Insurance

If you’re looking for factual answers about how a DUI conviction is going to impact the amount of money that you spend on auto insurance, then you’ve come to the right place. We’re here to give you the inside scoop!

First of all, you should know that a DUI will remain on your driving record for a period of three to seven years. However, it may remain on your criminal record forever unless you get it expunged.

Once the citation is removed from your driving record, your insurance premiums will return to normal levels. While it’s still on your driving record, you may expect to pay higher insurance premiums for at least three years.

A DUI conviction does have consequences. However, in terms of insurance rate hikes, the consequences will not be permanent and this is good news.

Drunk Driving Has Monetary Repercussions

When you get a DUI conviction, your auto insurance provider (and any other auto insurance providers which you may wish to buy policies from in the future) will look at you differently. In the eyes of car insurance companies, you are now a “high-risk” customer. This means that you’ll be charged more in terms of premiums. High-risk clients are costlier to insure.

Naturally, you will need auto insurance in order to drive your car legally in the USA. It’s a mandatory form of insurance and there’s no way around that! So, you may anticipate paying more for insurance, due to your prior DUI conviction.

To help you understand the way that your insurance rates will increase after you’ve been busted for driving while intoxicated, let’s create an example. Let’s say you live in New York State and you’ve got a DUI conviction. Let’s also say that you’re thirty-one years of age, male and driving a Toyota Corolla which was manufactured in 2014. Using these variables, your insurance will go up by a total of one thousand and ninety-eight dollars.

Where you live is going to play an important role in how much more you have to pay for mandatory auto insurance after a DUI conviction does go onto your driving record. For example, residents of Atlanta, Georgia generally need to pay a whopping thirty-one percent more for insurance after they receive DUI convictions. Premium hikes will vary from state to state and even from city to city.

One strategy for figuring out how much you’re going to need to pay is to use the free online quote generators at insurance company websites. Add in data to required fields and then get a quotation which is fast and free. If you’ve indicated that you have a DUI, your quick, no-obligation estimate will be higher than what you’re used to paying. It’s good to do research so that you’ll be able to face facts and create a budget which gives you enough disposable income to cover the higher cost of post-DUI car insurance.

If a quote generator doesn’t have a field where you will enter information about your DUI, the quote won’t be accurate. In this case, it’s best to contact the insurance company by phone, email or live chat, in order to find out how much you’ll need to pay. In the Internet Age, there are tons of great online resources for those who are shopping around for new auto insurance policies.

A Good Lawyer is the Best Defense

When you get busted for drunk driving, your best defense against a DUI on your driving record, a DUI on your criminal record and higher insurance rates is hiring a capable and experienced RI DUI lawyer. When you retain the services of a drunk driving lawyer right away, you’ll boost your chances of avoiding a conviction.

A great RI drunk driving attorney will fight your corner using every legal tactic and help you to avoid a conviction. While avoiding a conviction is not always possible, it’s just not smart to try to defend yourself. When you pay for the services of a lawyer who specializes in handling these types of cases, you’ll be investing in your own future, including your financial well-being in the future!

Without the services of a competent DUI lawyer with a great win-loss record in court, you may lose your court case and then pay through the nose for car insurance for years. As well, the people around you may discover that you’ve been convicted for drunk driving. As you can see, it’s well worth the expense of hiring a lawyer who knows how to help those who have been charged with DUIs.

How to Find the Right Attorney

A licensed attorney should have years of experience helping clients to avoid DUI convictions. This type of legal expert will know everything about drunk driving laws in Rhode Island. Attorney Daniel Griffin will be the right person to call as soon as you’re taken to the police station and charged. We recommend finding an excellent attorney immediately. Don’t wait to get a superb lawyer by your side! What happens at the beginning, right after you are taken to the police station, is very important.

You’ll find that Attorney Griffin offers the kind of skilled legal representation which is needed. He is standing by to help you avoid the many disadvantages of a DUI conviction, including social shame, extra expenses for car insurance and a permanent criminal record. Dan believes in great communication, so you’ll find that it’s easy to talk with him as he assesses the evidence and creates the right legal strategy for fighting your DUI change in court.

Proper legal representation is absolutely vital. Daniel Griffin provides this type of legal representation. If you’ve been charged with a DUI, contact my office as soon as possible. The longer you go without legal representation after being charged, the greater the odds of a conviction. When the Law Office of Daniel Griffin is by your side, you’ll get the legal protection that you need. So, why not call, text or email today?

Recent Posts