Driving while intoxicated (DWI) is a serious offense that can have severe consequences. Not only can it result in fines, license suspension, and even jail time, but it can also have a major impact on your car insurance rates. If you have been convicted of a DWI, it is important to understand how it can affect your insurance and what steps you can take to mitigate the financial impact. In this article, we will discuss everything you need to know about DWI car insurance.
Understanding DWI Car Insurance
When it comes to car insurance, a DWI conviction is considered a major red flag for insurance companies. This is because it indicates a high risk of accidents and reckless behavior on the road. As a result, insurance providers are likely to view you as a high-risk driver and charge you higher premiums.
Insurance companies use various factors to determine your premiums, including your driving record, age, location, and the type of car you drive. A DWI conviction will significantly impact your driving record and can result in a substantial increase in your insurance rates. In some cases, insurance companies may even refuse to provide coverage to individuals with a DWI conviction.
The Impact of a DWI on Insurance Rates
After a DWI conviction, you can expect a significant increase in your car insurance rates. The exact increase will vary depending on several factors, such as your location, the severity of the offense, and the insurance company's policies. On average, however, a DWI conviction can lead to a 50% to 100% increase in your premiums.
Additionally, some insurance companies may require you to obtain a special type of insurance called SR-22 insurance. SR-22 insurance is a form of proof that you carry the minimum required liability coverage, and it is typically required for drivers with a DWI conviction. This type of insurance can be expensive, further adding to the financial burden of a DWI conviction.
Options for Obtaining DWI Car Insurance
While it may be challenging to find affordable car insurance after a DWI conviction, there are still options available to you. Here are a few steps you can take to obtain DWI car insurance:
1. Shop Around
Not all insurance companies treat DWI convictions the same way. Some may be more lenient or specialize in providing coverage to high-risk drivers. It is essential to shop around and compare quotes from multiple insurance providers to find the best rates.
2. Complete a Defensive Driving Course
Completing a defensive driving course can demonstrate to insurance companies that you are taking steps to improve your driving skills and reduce the risk of future accidents. Some insurance companies may offer discounts to drivers who have completed such courses.
3. Maintain a Clean Driving Record
While a DWI conviction will remain on your record for a certain period, maintaining a clean driving record moving forward can help improve your chances of obtaining more affordable car insurance in the future. Avoiding traffic violations and accidents can demonstrate to insurance companies that you are a responsible driver.
4. Consider a High-Risk Insurance Company
If you are unable to obtain car insurance from traditional providers, you may need to consider high-risk insurance companies. These companies specialize in providing coverage to high-risk drivers and may be more willing to insure you despite your DWI conviction. However, keep in mind that the premiums may still be higher compared to traditional insurance providers.
Conclusion:
Obtaining car insurance after a DWI conviction can be challenging and expensive. However, it is crucial to have proper coverage to protect yourself and others on the road. By shopping around, completing a defensive driving course, maintaining a clean driving record, and considering high-risk insurance companies, you can increase your chances of finding affordable DWI car insurance. Remember, it is never too late to turn your driving habits around and demonstrate to insurance companies that you are a responsible driver.
Summary:
| Options for Obtaining DWI Car Insurance |
|---|
| Shop around and compare quotes from multiple insurance providers |
| Complete a defensive driving course to demonstrate improved skills |
| Maintain a clean driving record to show responsibility |
| Consider high-risk insurance companies if traditional providers are unwilling to insure you |
