Driving Under the Influence (DUI) is a serious crime and can make your life more difficult. We understand that it can be an honest mistake, but this mistake should never be repeated because all you will face is loss.
Driving Under the Influence does not seem good to insurance companies as well. If you have insurance from a reputable company, it is more likely that they will cause an issue. They may ask you to get a low-cost SR-22 insurance certificate and will instantly raise the prices or cancel your insurance.
But there are many ways to make up for your mistake and find a solution. Click here to find your option. You can still get auto insurance, but you need to work for it because it will not be the same after you are caught driving under the influence.
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How does DUI affect car Insurance?
Source: forbes.com
Insurance companies will not believe you like before because you have been caught driving under the influence of alcohol. And that is why they are going to throw some hurdles on the road. It would be best if you got prepared for it.
The first thing that you are most likely to face is an increment in your car insurance. You might have to pay double for your auto insurance after DUI. You will face around a 40% surcharge for your insurance in the first year, which will reduce within a few years if you do not get anything else on the record.
Some studies also find that companies have the right to cancel their auto insurance if DUI is discovered. But you can always find ways to talk to them or get help from someone. It will be tough but not impossible, and a few tips can help you get your insurance back on track. Let’s check them out.
Auto Insurance Tips after getting a DUI
DUI can stay forever on your record but not on your insurance if you follow the right methods. Below are some tips that can help you with auto insurance after getting a DUI.
1. Inform Your Insurer
Source: idrivesafely.com
You are not obliged to inform your insurer about the DUI, but they will find out anyway, so it is better to tell them on your own. The insurer will check your driving records before the renewal of the insurance policy, and when they are not informed about the situation before, it can be a bad impact.
So it is better to contact your insurer and tell them about the DUI. You can also ask for an estimate about the surcharge you will face and talk to them to decrease it somehow. Informing about the DUI yourself to the insurer will help you talk to them and develop better solutions.
2. Get Low-Cost SR-22 Insurance
An SR-22 certificate is a document that proves you have car insurance. After you get a DUI on your driving record, you must file for an SR-22 certificate. This is because car insurance companies will be less likely to insure you if you have a DUI on your record. An SR-22 certificate proves that you have insurance and are not a high-risk driver. This can help you get insurance rates lowered and even get your driving record cleared.
There are some benefits to getting an SR-22 certificate. For example, it can help you dodge car insurance premiums. If you have a DUI on your record, your car insurance rates may be higher than usual. Getting an SR-22 certificate can show car insurance companies that you are a low-risk driver and may help you get a lower rate.
3. Get Support to Find DUI Insurance
Source: nerdwallet.com
You will face an increment in your insurance pricing, but the insurance companies rarely refuse to give you auto insurance. But this can happen if you are getting DUI more than once or your record is not that great.
So what to do when companies are refusing to give you insurance? You can simply contact your state department and ask for help to get your auto insurance. There are always state departments around you, and you need to find which one asks for less money and does more. You can also get some help from your lawyer to guide you about the insurance policies and companies regarding DUI.
4. Ask for discounts
If you want to get auto insurance after DUI, you can simply ask for discounts from your insurance company. You can tell them that it can be hard for you to afford such a hefty amount and that is why you can get a discount.
You might lose your chances to get a good driver discount, but there are still many ways to get discount car insurance. You just need to find the applicable and accepted way by your insurance company.
5. Make Them Trust You
Source: entrepreneur.com
It is hard to get back on track with the insurance company when you have DUI on record. But it can go away with time. The insurance companies are more likely to ease out when it is your first time. And the surcharge can be removed within a year or two.
What you need to do to get back on track is to have a good record. You need to follow the rules and ensure that you are not in any incident or violating any traffic rules. Anything negative on the record can look bad for you, and you might end up losing your auto insurance.
Conclusion
DUI can be bad for auto insurance, but there is always a way to sort things out. It is better to completely avoid driving while drinking as it can be bad for you. But if it has happened, there are many insurance companies out there that can help you get insurance. So you better start looking and comparing now.
