Getting caught for DUI or DWI is a very serious offense as you are putting the lives of yourself and other people at risk. Depending on the seriousness of the drunk driving charge you will be required to pay a fine, you could also have your license suspended and your car insurance policy cancelled. Driving under the influence will also make it much more difficult to get a car insurance policy in the future, especially if you had your car insurance cancelled.
Car Insurance With DUI Pennsylvania
This guide will demonstrate how you can still get a great deal when buying car insurance with DUI Pennsylvania.
Why is Car Insurance More for DUI offenders?
Car insurance companies assess your risk level by looking at a number of factors. These factors can include your age, vehicle type, engine size and your driving record. If you get a DUI conviction then this will stay on your driving record for at least 5 years, although this can extend up to 10 years in some states. When applying for car insurance with DUI Pennsylvania the insurance companies will check your record and adjust the prices accordingly.
You might have learned your lesson and will never drink before getting behind the wheel again. But the car insurance company doesn’t know this. Any insurance company will simply assume that DUI offenders are much more likely to re-offend and so be involved in accidents which makes car insurance with DUI Pennsylvania more expensive.
Notify Your Current Insurer
If the DUI charge wasn’t that serious and your current car insurance policy wasn’t cancelled then you will first need to notify them. It’s important that you notify your current insurance company as soon as possible, otherwise your policy could be cancelled. The insurance company will need to complete and file an SR-22 form in order to prove you have the correct level of car insurance with DUI Pennsylvania and you can continue driving legally.
If you had a poor driving record before your DUI, then it’s likely your car insurance policy will be cancelled. This is quite serious, but it doesn’t mean that you can never drive again. You will simply need to look around for high risk insurance companies, of course these will cost more.
Accept Higher Prices
You will have to accept that being caught for DUI will affect your car insurance with DUI Pennsylvania premiums. You will be considered a high risk driver for many years, and so will pay an inflated price for your insurance. All types of DUI convictions will affect the premiums, but not all DUI offences are the same. Multiple DUI convictions, or DUI convictions combined with speeding tickets will be much more serious. If you were involved in an accident while driving under the influence then this will result in even higher insurance prices.
Unfortunately anyone with a DUI or DWI conviction on their record will not normally be able to take advantage of special offers and deals offered by some insurance companies. You will be restricted to insuring with high risk insurer’s.
Getting Cheap car Insurance with DUI
Although you will have to put up with higher insurance prices for quite a few years, there are still some things you can do to get cheap car insurance with DUI Pennsylvania. You could consider enrolling on a defensive driving course or receiving advanced driver training. Some insurance companies will recognize the fact you are trying to make yourself a better and safer driver and reduce premiums slightly.
It’s also worth investigating whether there are any deals for combined home and car insurance policies from the same company. Some companies also offer multiple car discounts for households which have more than one vehicle. It’s also a good idea to do your homework and shop around to find the best insurance deal. Don’t just choose the first car insurance with DUI Pennsylvania company that you find. Use comparison sites to find all the suitable insurers and then choose the best value policy.
There is little that you can do about the higher prices, other than trying to reduce the price increase as best you can. After 5-10 years when the charge drops off your driving record then your insurance prices will reduce to normal levels, as long as you haven’t received further driving convictions during this period. At least this is something to look forward to, but unfortunately you will have to endure high prices for some time to come.