What DUI Means to Your Insurance: Having a DUI does the most damage to your insurance premiums. Most states now have laws in place that require even a first time offender of DUI to lose their license for one year. When that year is over and the license can be regained, insurance prices will likely skyrocket. First of all, you will likely not have insurance while suspended, because you will not be driving. Most companies charge much higher rates to those who have not had insurance in the previous six months. Additionally, the fact that you have had your license suspended within the last three years will severely hike up your insurance premiums. Finally, the DUI itself will cause a huge increase in the amount you have to pay. In the end, you could wind up paying as much as three hundred dollars per month or more for your car insurance after a DUI suspension.
This will keep the premiums down a little bit, because you will not be charged the higher rate for uninsured customers. Some insurance companies will also lower the high premiums a bit if you attend Alcoholics Anonymous or Narcotics Anonymous meetings regularly. You can also shop around and look at insurance companies that deal primarily in high risk drivers. These insurance companies will charge higher rates for your DUI suspension than you would pay otherwise, but they will likely be much cheaper than other insurance companies. In fact, some insurance companies will refuse you insurance altogether when you have a DUI on your driving record, and these second chance companies really become your best bet.
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