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.