If you’ve recently been convicted of a DUI/DWI in Illinois, it’s important to understand how it can impact your car insurance premiums. Driving under the influence is a serious offense that significantly affects your driving record and can result in higher insurance rates.
When you are convicted of a DUI/DWI, insurance companies typically consider you a high-risk driver. This designation is based on the increased likelihood of you being involved in an accident and filing claims. As a result, your insurance premiums are likely to increase significantly. In some cases, insurance rates may double or even triple.
Insurance providers in Illinois use various factors to determine premiums, including your driving record, age, gender, type of vehicle, and credit history. However, a DUI/DWI conviction can have a profound impact on your rates, as it is considered a major violation.
While a DUI/DWI conviction will undoubtedly lead to higher insurance premiums, there are steps you can take to mitigate the impact:
It’s important to compare rates from multiple insurance providers. Some companies specialize in serving high-risk drivers and may offer more competitive rates than others.
Completing a defensive driving course can demonstrate your commitment to safe driving and may qualify you for certain discounts.
Avoid any further traffic violations or accidents. Over time, as the DUI/DWI conviction becomes less recent, insurance companies may be willing to reduce your premiums.
Navigating the complexities of car insurance premiums after a DUI/DWI can be overwhelming. At EKinsurance, we have the expertise to help you find the right coverage at the best possible rates. Our experienced agents are well-versed in working with high-risk drivers and can assist you in understanding your options.
If you are looking for state specific Car Insurance Premiums After Dui Dwi Insurance quotes, costs and information:
