DUI Insurance Coverage

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 inder 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 judgement 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 of dui insurance coverage from your car insurance company, it is best to comparison shop for a more affordable dui insurance. Shop for insurance companies that will provide coverage that you can afford.

You can do a lot to help lower your dui insurance coverage plan. One way is to attend traffic school. Some companies offer discounst 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 coverage rate.

Cheap High Risk Auto Insurance

Reader’s Question:

I received a DUI but the insurance policy is not under my name do the insurance rates go up for the policy holder in  Connecticut?  I was told that I now need a high risk auto insurance policy to get my license back?

Leila

Bridgeport, CT

Yes, your DUI could affect the insurance rates for the policyholder if you are a motorist listed under their insurance policy. The driving record of any licensed motorist on an insurance policy or in a household can have an impact on the insurance premiums the same as the insurance carrier’s decision to insure the car. Certain violations may cause an insurance company to turn you or the policyholder down for insurance coverage or to pay high-risk insurance.

An individual with a bad driving record is more of a risk for an insurance carrier then an individual with a clean driving record and therefore their insurance rates are normally higher. The whole policy thus can be affected by one driver’s DUI or serious driving infraction.

If the your insurance rates go up because of your DUI, you may want to comparison shop for car insurance to check if they can find a better rate. You can get an insurance quote in Bridgeport, Connecticut here for FREE.

I got cheap DUI insurance so can you!