Why Is DUI So Heavily Penalized By Car Insurance Providers?

Getting caught driving while under the influence of alcohol or any other forbidden substances will automatically mean a conviction and a hefty fine. And the turmoil does not end here. Insurance rates will certainly get higher upon next renewal. Find out why is DUI so heavily penalized by car insurance providers and use our website to get free car insurance quotes.

Driving under Influence (DUI) is one of the worst things you can do as a driver, and this can affect your car insurance. When you commit DUI, this will go to your record and affect the premium. If the DUI results in property damage, injuries or even deaths, you can lose your driver’s license for long period of time and have difficulties looking for insurance with good price once you get your license back.

Getting your license suspended after DUI means you lose your car insurance. After having your license suspended, you are probably ready to drive again, and therefore, you need new insurance policy. First thing to remember is that even if you do not tell the company about your DUI history, they will eventually check your driving record with the state and find out about it. Purposely lying or being discreet about DUI history will only make you look bad in the eyes of the insurance company, and your application is likely to be rejected.

According to a just-issued report by the personal finance site NerdWallet.com, the national average car insurance premium jumps by 62% with a driver’s first infraction. The biggest boost goes to tipplers in North Carolina, who can see their rates rise by an incredible 368% with a first offense; in dollars and cents that means a driver from the Tar Heel state who might otherwise pay an average annual $872 will face a whopping $4,077 insurance bill with a DUI on his or her record.

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