The Direct Impact of a DUI on a Car Insurance Plan’s Cost

There is little doubt that driving under the influence is unsafe. Most people don’t set out to do so, but once you’ve been charged with a DUI, things get difficult. Now you may need to get DUI insurance, coverage that is designed to meet the legal requirements of having insurance, but often at a very high rate. The good news is that, over time, you can reduce how much you pay in auto insurance by driving safely and violation free. However, for now, there are a few things to keep in mind.

Why Do Rates Go Up After a DUI?

Obtaining car insurance after a DUI should cost you more. The amount you pay, called the premium, can rise because there is now a higher risk to the insurer. Driving intoxicated can be a very high risk. According to the National Highway Traffic Safety Administration, 10,000 people died as a result of driving drunk in 2013. Because alcohol impairs the ability of a person to drive safely, often because it slows down concentration and reaction time, it becomes very dangerous to operate a vehicle like this.

Most insurers believe that if you’ve been convicted of a DUI, the chances of being convicted of one a second time are even higher. As a result of this higher risk, auto insurance companies may raise your rates. You’ll find that this can happen with almost every insurer across the board.

Staying Sober Make the Difference

The average increase to a car insurance policy after a DUI can be several hundred dollars. Your individual circumstances make the biggest difference in what you’ll pay. However, the best way to avoid further losses and costs is to never drink and drive again. Use an ignition interlock device, avoid driving somewhere where there is alcohol and have good friends by your side that can help you to remain sober no matter what the circumstances are.

Car insurance costs can rise significantly if you’ve been convicted of a DUI. However, it is usually wise to choose a DUI insurance policy that can be as affordable as possible. Talk to your auto insurance company about the options for reducing your costs especially if a significant amount of time has passed since your DUI.

Are you paying too much? Call ACF Insurance Services at (919) 661-1100 for more information on Raleigh DUI auto insurance.