If your current insurance carrier cancels your policy, get online and start comparing quotes. There are more car insurance companies than you might think that are willing to insure drivers that have a DWI on their record. Make sure you disclose your driving record including your DWI honestly, as any carrier will cancel your coverage when they find out you omitted information to try to obtain coverage. Remember, more expensive coverage is still better than the consequences of driving without insurance. If possible, get your auto insurance from the same company that provides your life insurance, homeowners insurance or renters insurance. If your insurance plan does cancel your coverage, it is important to shop for a carrier that will insure you before you continue driving. Most states will not reinstate a suspended license without proof of insurance.
If your insurance does not simply cancel your policy, you can expect dramatically increased rates. The fines and fees associated with a conviction are usually less than the ongoing cost of raised monthly premiums. While a driver with a clean driving record may pay under One hundred dollars a month, the same driver with a DWI can find his rates increased to Two hundred per month or more. As you might expect, the rate increases are more dramatic for multiple offenders and the policy is more likely to be canceled as well. A DWI remains active on your driving record for Seven years, and the rate increases may last nearly as long.
If you find yourself in the unfortunate situation of having to deal with auto insurance after being charged with a DWI, there are a few things you can do to try to keep you coverage, or get new coverage as cheaply as possible. Enroll in an alcohol abuse education or treatment program as soon as possible after your DWI conviction. Doing this can help you to demonstrate to your insurance carrier that you are serious about not repeating your error, and that you take the matter seriously.
Getting a DWI can obtain a extreme prevail on your insurance rates. Many insurance carriers Testament promptly cancel the policy of a Chauffeur after they acquire remark of a DWI. This may not be these days succeeding the offence, as the insurance partnership may returns a rare weeks to get an updated driving record. Many times a company with which you have a history or carry multiple policies will be more willing to work with you. Once you have secured auto insurance, be sure to check back every six months to see if you qualify for a reduced rate. Your carrier may not call you to lower your rates after a year of safe driving, so it is in your own best interests to check in with them periodically.
