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Caught driving under the influence (DUI) is illegal and potentially hazardous; moreover, its consequences can reverberate throughout your life – especially when it comes to your auto insurance rates. Convictions for DUI can have long-term ramifications that increase premiums substantially because insurers consider such drivers to be high-risk drivers and may charge increased premiums as a result. Thankfully there are steps you can take to minimize its negative effects and bring down rates over time.
Insurance providers use statistics and other factors to evaluate risk when setting premium rates, and in the case of DUI drivers they can use this to set higher premium rates and create increased risks for themselves – in turn translating to increased premium costs for you as the insured party.
Your insurance rates can increase depending on which state you live in, but typically an alleged DUI conviction will cause them to increase by approximately 70%. While in some states this may be enough for their insurers to raise your rates; others may opt to drop you altogether or require high-risk coverage coverage from you – in such a situation an SR-22 certificate must be filed with your state in order to reinstate your driver’s license.
DUI convictions stay on your record for an extended period. Most states allow insurance providers to look back three or five years when calculating premiums; additionally, some states mandate special insurance known as SR-22 insurance which shows proof that minimum liability coverage has been maintained following an arrest for DUI.
Maintain a spotless driving record to achieve long-term savings on car insurance premiums for DUIs in Georgia. Avoid additional accidents and citations, and take the time to comparison shop whenever your policy renews – or sooner if possible! Taking time for research and comparison will help you find the best deal available; additionally consider increasing your deductible or bundling policies together to save money; usage-based programs which monitor driving habits can offer reduced premiums as rewards; patience with careful driving can eventually lower DUI car insurance premiums over time.
