How Does A DWI Or DUI Affect Your Car Or Auto Insurance Premium?

By Mike Anderson Posted in Car Insurance News

Definition Of DWI Or DUI

A DWI is Driving While Intoxicated and DUI is Driving Under the Influence. Each state may use a different term but they amount to the same thing, driving drunk. There has been a huge campaign in recent years to combat drunk driving and states are establishing stricter drunk driving laws. In 2008 over 11,000 people were killed in alcohol-related car accidents. Another frightening stat, three out of every ten Americans will be involved in an alcohol related accident in their lives. Drunk driving is a huge societal problem and insurance companies recognize the increased risk and punish drivers accordingly.

Stricter Laws

States are upping the ante when it comes to punishing drunk drivers. In Ohio, first-time offenders get their license suspended for 6 months and have instituted mandatory jail time for 2nd-time offenders. The legal limit for most states is .08. Anything at or above this number is considered drunk driving. After a first offense many states have a zero-tolerance policy. This policy states that anyone with a previous drunk driving conviction who is caught driving with ANY alcohol in their blood will be arrested. Mandatory jail time for second-time offenders is becoming more prevalent throughout the country.

What This Means For Car Insurance

Since insurance companies assess a driver’s risk before giving them insurance, a DUI or DWI on your record could seriously damage your ability to obtain car insurance. Once you are allowed to drive again, your insurance rates will increase substantially.┬áDepending on the level of your offense and your previous driving history you may not be able to get car insurance. You may become uninsurable. Some insurance companies offer non-standard insurance which is insurance with many restrictions at a very high premium. Not all insurance companies offer non-standard insurance.

How To Improve Your Record

It is possible to improve your chances of getting reasonably priced insurance after a DUI or DWI. Continuing to maintain a clean driving record is the best way to lower your insurance rates. Some insurance companies will allow you to take safe driving courses to continue your driving education, this could also lead to a reduction in premium.

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  5. How Do Speeding Tickets Affect My Car Insurance?

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