Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
When you are convicted of a DUI you will be required to notify the DMV of your “financial responsibility.” That will trigger a reaction by your insurer. They will know immediately that you have been convicted of DUI. What they do at that point will vary. At renewal you will find that you have been assessed points for the DUI and those points will trail you for 10 years in California. In California you will also lose your good driver’s discount. Sometimes clients think that this is the time to shop for auto insurance. Unless you simply cannot pay the premium, dropping coverage at this stage is not in your best interests. Your existing insurance company is likely to treat you with more consideration than any subsequent insurance company. By the time you pay the fine, pay for the driver’s education course and face the doubling of your auto premiums you will determine that drinking and driving does not pay in California.
Great question! I hope sincerely that you never have to find out. The answer in almost every case is yes. Driving under the influence increases your risk for an accident exponentially and you know that as your risk increases, so does your premium. Some companies will cancel your policy, and getting another policy will be difficult. Thanks for asking!
Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
A DUI will impact your car insurance rates, although the increase in premium will depend on several factors, including the company you are insured with, your driving record (other than the DUI), number of vehicles insured and liability limits that you carry.
As an experienced car insurance broker (for 33 years!), we work closely with any customer who is convicted of a DUI. It's important to maintain quality coverage, but, of course, it's also important to ensure all discounts are being applied, and all options are reviewed so you pay the lowest available rate.
.JPG){kind=avatar}
As an experienced car insurance broker (for 33 years!), we work closely with any customer who is convicted of a DUI. It's important to maintain quality coverage, but, of course, it's also important to ensure all discounts are being applied, and all options are reviewed so you pay the lowest available rate.