DUI or DWI convictions are likely to impact what you pay for car insurance. Because these types of violations create a high level of risk to yourself, your assets and other drivers on the road, most insurance companies will charge more for this coverage than they would for regular auto insurance. If your driving record has a conviction like this on it, there are steps you can take to get back on the road again when you feel it is safe to do so.
Will Premiums Increase After a DUI or DWI?
Every insurance company is different. Some will not provide coverage to those with multiple DUI convictions. If you can obtain coverage, you can expect the individual circumstances of your incident to determine how much you'll pay. However, if you have one driver and one car on the plan, you can expect your rates to increase. Of course, you can obtain a quote to determine what your actual rate would be.
What Do I Do Next?
Those who have been convicted of a DUI or DWI incident will need to work hard to improve their driving privileges and auto insurance availability. Over time, you may be able to see improvements. Consider the following:
- You may need to purchase SR-22 insurance. This is a common requirement by many states to show you have financial proof of coverage before allowing you to drive again.
- You may be able to enroll in educational programs, both for any alcohol-related problem you may have and for improving driving skills, to reduce the points on your license and lower your car insurance costs.
- Remain incident-free as long as possible. From speeding tickets to other violations, you'll need to avoid having these on your driving record if you plan to secure affordable insurance again in the future.
DUI and DWI convictions can mean a great deal of risk to your insurance carrier, driving up your cost for car insurance. Nevertheless, you do have options. Compare policies now and over time to ensure you get the most affordable product possible. In many cases, you'll see your rates improve as you maintain an incident-free driving record.
We’ll assist you in finding the right coverage. Call Auto Insurers of Virginia at (800) 909-8103 for more information on Midlothian DUI auto insurance.