After a DUI/DWI conviction in Kentucky, it is important to understand the potential impact on your car insurance premiums. Being convicted of driving under the influence is considered a major violation and places you in the high-risk category for insurance companies. As a result, you can expect a significant increase in your car insurance premiums.
The exact amount of the increase will depend on factors such as the insurance company’s policies, your driving history, and the details of your DUI/DWI offense. Generally, insurance premiums can double or even triple after a DUI/DWI conviction.
In addition to higher premiums, individuals convicted of a DUI/DWI in Kentucky are required to obtain an SR-22 certificate, which may come with additional fees.
Mitigating the impact of a DUI/DWI conviction on your car insurance premiums in Kentucky is possible with some proactive steps. While a DUI/DWI conviction will inevitably lead to higher premiums, there are strategies you can employ to potentially reduce the impact:
It’s essential to compare rates from multiple insurance providers. Different companies have varying underwriting guidelines and rating systems, which means rates can vary significantly.
Completing a defensive driving course can demonstrate your commitment to safe driving. Some insurance companies offer discounts to individuals who have successfully completed such courses.
Increasing your deductible, the amount you pay out of pocket before insurance coverage kicks in can help reduce your premiums. However, it’s important to ensure that you can comfortably afford the higher deductible in the event of an accident.
Working with an experienced insurance agent who specializes in high-risk drivers can be invaluable. They can provide personalized advice, help you navigate the insurance landscape, and identify options that best suit your needs and budget.
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