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DUI Insurance

Reader’s Question:

How does a DUI case affect my car insurance rates here in Texas?

Jill

Irving, TX

Good question. Having a Drunk Driving case, or more formally known as Driving Under the Influence (DUI)/ Driving While Intoxicated (DWI), or more recently, Operating a Vehicle Under the Influence (OVI), is a very serious offense against your driving record. This can lead to two things car insurance wise depending on the actual nature or gravity of your offense: 1.) You’re car insurance company, upon learning of your DUI, may increase your rates significantly. 2.) You’re car insurance company may decide to terminate or cancel your insurance coverage because your risk as a driver has become too high.

Surprisingly, you may not even notice any changes on your policy at the moment, since car insurance companies only check your record or review your policy generally every one to two years. Regardless, its important to be prepared to get a suitable DUI insurance once you do end up losing your coverage there in Texas, or if your rates become prohibitively expensive.

Here are a few tips to help you out:

1.Know how to get an SR-22 which is simply a form submitted to your state DMV (Department of Motor Vehicles) that confirms you have adequate insurance coverage to be allowed to operate a vehicle again.
2.Take defensive driving classes.
3.The easiest way to shop for the best kind of DUI insurance is to begin online. You can use the free DUI insurance quote tool on this website to help you find and compare the most affordable DUI insurance policies available.