Your driving record plays a large role in determining your car insurance payments. DUI’s can make your auto insurance significantly more expensive. Gathered is some information about how DUI’s can affect your insurance and why they are not worth it.
What is considered a DUI?
Alcohol affects the central nervous system, which impairs your concentration, your reaction time, and your overall ability to drive. When your blood alcohol content is 0.09% or higher, you are even more likely to be involved in a fatal crash when you drive. Because of this, each of the 50 states in the United States, plus Washington D.C., has made it illegal to drive with a blood alcohol content over 0.08%.
Penalties: The punishment for driving under the influence varies from state to state, but the penalties are stiff. Usually a DUI results in a fine or the suspension of driving privileges. If convicted of a DUI, you may have to show that you have a state-mandated amount of auto insurance coverage.
Past DUI’s: Driving under the influence is high-risk driving and having a DUI on your driving record is a red flag for many insurance providers. It shows you to be more of a risk to insure, so the car insurance rates available to you are automatically going to be higher than if you do not have a DUI on your record.
Present DUI’s: If you get a DUI when you already have auto insurance, your premium could go up by a few hundred dollars because your insurance provider may have to reevaluate how risky it is to insure you.