Being charged or convicted with a DUI can cause legal as well as financial hardships including the cost of DUI Car Insurance PA. Not only will you have to deal with the initial cost associated with a DUI, such as bail, attorney fees and fines, but you will also be dealing with paying much higher DUI Car Insurance PA rates. The lengthy process of getting back on the road as a responsible driver can be complicated and tiring. To attempt to understand what you need to do before being allowed to drive again, you should contact an attorney who specializes in DUI proceedings.
DUI Car Insurance PA
Afterwards you can begin to face the challenge of finding affordable DUI Car Insurance PA since your current insurance provided may have cut you off or forced you to pay an unreasonably high fee. Here is some general information that you can use when searching for insurance after a DUI conviction.
Get Multiple Car Insurance Quotes
Most experts say this is the best way to start when searching for affordable prices after a DUI. This is a great way to see the variety of prices you will now be working with as well as eliminate the ones you definitely cannot afford. Keep in mind that some companies do not accept drivers with a DUI on their record, so getting multiple quotes allows you to remove these companies from your options.
Why A DUI Affects Your Pennsylvania Auto Insurance
A DUI is a serious offense and most states continue to go to extra measures to ensure that drivers are sufficiently punished for it. However, as far as insurance companies are concerned, they evaluate your rates differently for each offense. As a driver with a DUI, you are now seen to insurance companies as a “high risk” DUI Car Insurance PA client. Under the law, insurance companies are allowed to charge higher fees for these types of clients, or even refuse to cover them at all. They do this to avoid paying for possible future damage that high risk drivers may cause.
Rates In The Long Run
As the years go by, your DUI Car Insurance PA rates should go down. This is given that you have continued to drive responsibly, and you show other signs of improvement in life. This includes keeping a steady job, owning a home, keeping out of trouble etc. However, your rates will go down regardless over time, given that you have not had a second conviction or that were not involved in other “high risk” behavior.
In most areas, a DUI remains on record to insurance companies for about five years from when you get your license back. In other areas where this is not the case, it can be much longer. In some places it can remain on your driving record for ten years, while in others it may remain for a lifetime. Be sure to research the law in your area so that you can be aware of how much time you will be dealing with it on your record.
Learning about when a DUI comes off your record is essential in understanding and planning around your financial situation for the next few years. Ensure to keep track of the time that has elapsed since you were first convicted. If the law states that your DUI no longer appears after a certain amount of years, ask your insurance company to recalculate the cost of your DUI Car Insurance PA after this time has elapsed.
Buying DUI Car Insurance PA when you have a DUI on your record can be very stressful and overwhelming. You may even feel embarrassed and ashamed throughout the process. However, it is important that you are covered even though it may be difficult to find a company that fits your budget and your standards. Be prepared to put in the necessary time and effort into finding the right insurance.