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Average Car Insurance Rates - How a DUI Can Affect Your Car Insurance (Part Two)

This is post two of two in a series about understanding how a DUI can affect your car insurance rates.

Cancellation
In some cases, if you have been convicted of a DUI, some car insurance companies will actually cancel your insurance policy. Not all companies can issue an SR-22, so this can result in your car insurance policy either being canceled or the company not renewing your policy at your current renewal date. Although some states may not allow your insurance company to cut off your coverage in the middle of your plan, they can stop covering you when your renewal dates come around. If you have questions about cancellation policies, you may want to review the laws in your state or sit down with your agent.

Available Insurance
If you end up having your current insurance policy canceled or not renewed, there are a variety of companies that will be able to offer you car insurance coverage. While you’ll be able to find coverage, your new car insurance rates will still reflect the fact that you have a DUI on your record. In some states the DUI is only on your record for five years; however, other states may keep it on your record for life.

Being convicted of a DUI can have a variety of different consequences, both short-term and long-term, and there is a good chance that it could affect your car insurance rates for the rest of your life. If you are interested in keeping your car insurance rates low, plain and simple, don’t ever drive drunk. Driving while intoxicated is just a very bad decision. It not only comes with financial consequences, it puts you and others at great risk safety-wise as well. Before you decide to get behind the wheel of a car after drinking, make sure you take a moment to think about the consequences that can last a lifetime.

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    Average Car Insurance Rates - How a DUI Can Affect Your Car Insurance

    This is post one of two in a series about understanding how a DUI can affect your car insurance rates.

    Driving drunk is a very dangerous thing to do, and can result in a variety of different consequences. If you are convicted of a DUI you will have to deal with points on your license, drivers license suspension, high fines, attorney/court costs, and more. While these items just mentioned tend to be short-term consequences, you may not have considered the long-term consequences that can arise if you’re convicted of a DUI. If you’re convicted of a DUI your car insurance rates and even your ability to have insurance coverage will be affected.

    Higher Rates
    More than likely your insurance company will be notified if you’re convicted of a DUI. If the company does not suspend your insurance coverage, more often than not, you can wave goodbye to low rate car insurance for a long period of time. If you don’t like the higher rates your current company wants to charge you, you can try changing insurance companies, but even changing typically won’t save you money because you’ll be labeled as a high risk driver, which will result in you paying higher car insurance rates wherever you may go. More than likely your insurance company will have to send an SR-22 Proof of Insurance Certificate to the state showing that they are covering you, in order for your drivers license to have your license suspension removed.

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    Low Rate Car Insurance - Tips for Avoiding a Car Accident (Part Two)

    This is post two of two in a series regarding ways you can avoid car accidents and keep your car insurance rates down.

    Tip #4: No Tailgating - Many accidents occur as a result of drivers following too closely to the car in front of them. Not only can you end up in an accident by driving this way, you may also be ticketed for following too closely. The combination will increase your car insurance rates significantly, so it is best to maintain a proper distance between you and the car in front of you. A good rule of thumb is to keep at least three car lengths in between you and the next car, and a larger distance is better if you are going faster than 45 mph.

    Tip #5: Use your Mirrors - When you first get into your car you should automatically check all of your mirrors to be sure that they are correctly adjusted so you can see. While you’re driving it’s wise to constantly check your mirrors so you know what traffic is around and behind you at all times. Many accidents are caused by people changing lanes and not seeing someone in their blind spot, so be sure to use your mirrors and your blind spot(s) as well.

    Tip #6: Take Road Conditions into Consideration - When it’s sunny and the roads are dry, the driving conditions are much different than when it is raining or snowing. If it is raining or your driving at dusk, take precautions like turning on your lights a little earlier than normal. Make sure you now how to retain control of your car if you go into a skid and also make sure that you adjust your speed according to the conditions as well.

    These are just a few tips that can help keep you from having an accident. Accidents can cause a jump in your car insurance rates, so take the time to drive carefully and cautiously to keep your rates low, and you and other drivers on the road safe.

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    Low Rate Car Insurance - Tips for Avoiding a Car Accident

    This is post one of two in a series regarding ways you can avoid car accidents and keep your car insurance rates down.

    Being involved in an auto accident can instantly raise your car insurance rates, especially if you are at fault. If you want to make sure that you don’t see an insurance hike due to an accident, there are a variety of tips you can follow to help you avoid being in an auto accident. While there are times when you cannot prevent an accident, there are many helpful things you can do to lower your chances of being involved in an accident, which would open you up for paying higher rates for years.

    Tip #1: Don’t Drink and Drive - You hear this over and over again but people are still foolish enough to think they can get away with it. Statistics show that many more accidents occur when someone has been drinking, since the perception and ability to reason quickly is negatively affected. Before you decide to drive when you have been drinking, consider the harm you could do to others or yourself if you decide to drive under the influence.

    Tip #2: Maintain your Car - Another way that you can avoid having an accident is to make sure that your car is properly maintained. Keep enough air in the tires and make sure that your tires are road worthy. You should also make sure that other routine maintenance is done on a scheduled basis. Many accidents have occurred because of a car that had bad tires or some other problem that could have been prevented with proper maintenance.

    Tip #3: Get Rid of Distractions - It is important that you eliminate as many distractions as possible while you’re driving. Reading the newspaper, putting on makeup, or talking on your cell phone while you are driving can increase your likelihood of losing focus and having an accident.

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