Will a DUI Conviction Affect Car Insurance Rate?

Reader’s Question:

I recently been convicted of DUI. I would like to know if this will affect car insurance rate if the policy is not under my name? The policy is under my mother’s name.

Mike

Los Angeles CA
Your mother’s car insurance rate will be affected if you are listed as a driver under her policy.

The driving record of any licensed motorist on a car insurance policy or in a household can have an effect on the insurance coverage premiums along with the insurer’s judgment to insure the car. Specific violations might result in an insurance company to deny you or the policyholder car insurance coverage plan or to pay high-risk policy.

An individual having a poor driving record is a lot more of a risk for an insurer than an individual with a good driving record and therefore their car insurance cost are usually more costly. The entire car insurance policy hence may be impacted by a single driver’s DUI or major driving offense.

If you have been denied  coverage from your car insurance company, it is best to comparison shop for a more affordable DUI insurance. Shop for companies that will provide coverage that you can afford.

You can do a lot to help lower your insurance premium. One way is to attend traffic school. Some companies offer discounts for those who recently attended traffic courses. This will also help you improve your driving skills. Make sure you also ask for discounts that you can take advantage of. The more discounts you get, the more chances of getting reduce DUI insurance rate.

Caught With Marijuana in My Car

Reader’s Question:

If marijuana is found in someone’s vehicle by a law enforcement officer and they get a ticket for that, does their car insurance rate go up?

Jim

Denver, CO

It would likely depend upon the type of violation that the motorist was cited for. If it was a DWI or DUI, ticket that the individual received and they are convicted of this offense then it would go on their driving record where their insurance carrier could see it.

A DWI or DUI is considered a major violation and therefore insurance rates could be affected greatly. If the ticket was a different violation but still listed as a drug offense on your motor vehicle record (MVR) then it still would likely affect your auto insurance rates.

Insurance rating systems differ from one insurance carrier to another so if you were cited for an officer finding marijuana in your car you would need to verify from your insurance agent how your insurance carrier rates this type of violation.

Maryland Car Insurance DUI Rate

Reader’s Question:

My brother in law was driving my car over the past weekend. He got pulled over for speeding. He was also cited for DUI and driving without a license in Maryland. Will this affect my car insurance rate? What are the Maryland DUI car insurance rates?

Carlo

Baltimore, MD

Tickets that your friends or anyone who borrows your car receive while driving your vehicle in Maryland generally will not affect your auto insurance rates. The tickets for speeding, driving without a license and DUI should all have been issued to your brother in law, the motorist, and not the car, so typically will show up on his driving record and affect his insurance rate in Maryland.

If your brother in law had crashed while driving your vehicle in Maryland it would have affected your car insurance since most likely it would be your insurance that would have to pay out on claims that was caused from an accident.

Wanna get a super low rate on DUI insurance?