Getting caught while driving under the influence of alcohol or drugs has often been referred to as the $10,000 ride. Given not every situation will be treated the same, but stiff penalties can be expected. This leads many to wonder what exactly car insurance with DUI/DWI entails.
When choosing to sit behind the wheel while drunk, a number of different fines will follow. As much as $468 can be expected for minimum fines, $780 for penalties, around $200 for vehicle towing and impound, $500 for alcohol education classes, $125 for a license reissue fee, $2,500 in attorney and legal fees and the pricey car insurance of over $7,000. Is it worth it?
Of course not, yet people continue to make that $10,000 mistake over and over again. And when the time comes, people want to know how to reduce the costs of their car insurance with DUI/DWI.
Driving under the influence will almost always result in a suspension of your driver’s license. In order to reinstate the license when your suspension is up, you will have to show proof that you have a car insurance policy that meets the state’s minimum liability coverage. The good news is most states offer SR22 proof of insurance.
You will first have to figure out the overall affect your DUI will have on your insurance. From there, you and the insurance company will have to come to terms on a DUI car insurance plan. The next step entails getting an SR22 insurance for that verifies you are in fact insured. Finally, you must present the form to your DMV.
There is no question that a DUI will change the way you are viewed on the roads. When having car insurance with DUI/DWI tagged on, you will be classified as a high risk car insurance driver. Some car insurance carriers will simply drop your policy while others will make you pay an increased monthly premium to get minimum car insurance. It all depends on the carrier.
If the company does deny your coverage, it is imperative you start shopping and jumping around immediately. The good news is there are a lot of companies that will insure those with DUI’s on their record, but be prepared to pay up as it is not cheap. You can expect to pay thousands of dollars in the coming months just to have a label that classifies you as virtually dangerous on the road.
The simplest of solutions is to just avoid getting behind the wheel when impaired. But if the decision has already been made, the first step to living with car insurance with DUI/DWI is finding out what your car insurance company thinks of the decision. From there, you can figure out whether or not you have a policy anymore and how much it will cost.