To put it simply, insurance companies equate DUIs with high risk driving,
and the higher the risk, the higher your insurance premiums will be.
The cost of your insurance is dependent on a number of factors, including –
- Your age
- Your gender
- Your driving history
- The type of car you drive
Having a DUI on your record is just one more factor insurance companies
can use as a reason for increasing your rates.
Many people understand that a drunk driving offense on their driving record
will equate to increased insurance premiums, but just how much money are
we talking? According to esurance®, while the amount varies by the
unique circumstances of every case, a typical policy's premiums might
increase by a few hundred dollars.
Some insurance companies might even drop your policy completely, but this
is usually only reserved for extreme circumstances such as multiple DUIs
or DUIs involving serious injury/death. In California, every driver is
required to possess insurance. So while your insurance company may drop
your policy, you will have to get insured elsewhere.
Another question drivers often ask is "How long will a DUI affect
my insurance?" A drunk driving offense stays on your record for 10
years in California. This likely means that the DUI will affect your insurance
rates for the same length of time. Prior to January 2007, the reporting
period for DUI was 7 years, but this was increased to the current period
of 10 years.
Gold & Witham is here to help people stave off DUI convictions. If
you were arrested for drunk driving in Orange County, contact a lawyer
at our firm today for aggressive defense. If you are never convicted of
a DUI offense, it will not affect your insurance premiums. To learn more,
contact us today for a free evaluation of your case.