Cheaper DUI Auto Insurance Rate
Reader’s Question:
I have to go to DUI school for my 1st conviction. I need to know if I need to give this certificate to my insurance provider? Would it help with my auto insurance rate or anything? Could I take another driving class to get cheaper my auto insurance rate in Layton Utah?
Wilhem
Layton, UT
Taking either an alcohol class or driving course because of receiving a DUI does not typically help with your auto insurance premiums. Normally, DUI school is a component of the penalties that is ordered by the court after being convicted of a DWI, DUI or OUI – depending on what your state refers to driving under the influence as.
States differ on their requirements and rules regarding DUI school. Some jurisdictions or states mandate that one participates and completes a DUI course if the individual wants to regain any driving privileges, meaning a conditional / restricted license or full license.
You will need to contact your insurance provider to verify if they will need a copy of your DUI school completion certificate. I do not think that it would lower your auto insurance premium since the course was due to a DUI conviction and probably mandated by the courts. Some insurance providers do give discounts for driver safety course, etc so verify with your current company to see what type of discounts they might have to offer.
DUI Auto Insurance For Commercial Vehicle
Reader’s Question:
I am planning on going to truck driving school. I have had 3 DWIs and the last DWI was 6 years ago. Will I be insured by an insurance company in a commercial car?
Paul
Nashua, NH
Many commercial car insurance companies do not want to insure a motorist with a commercial driver’s license (CDL) that has a DWI, DUI or OUI. Since your last DWI was over 6 years ago, you might be able to find an insurance company that will insure you but the costs will likely still be high.
I would verify with the trucking school you are going to attend to for more information since they would typically deal with the insurance carriers that you would possibly want to be insured through. You can also check if the school thinks you will be insurable through an insurer plan once you acquired a job after your truck driving school is over.
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