Car Insurance Rates, Coverage Options, Forgiveness After DWI, DUI

Once you’ve been convicted of drunk driving, driving under the influence of drugs, or operating a vehicle while impaired (OVI), you need to know how to get affordable car insurance rates after your DWI, DUI or OVI transgression.

Car insurance companies heavily penalize drunk drivers, so you might find yourself in a bind after you have been charged with this offense. Your present car insurance company might terminate your driver’s policy for drunk driving or driving under the influence of drugs.

However, another car insurance company might choose to do business with you as long as you maintain a clean driving record/history after your misstep.

Car Insurance Coverage Options

Car insurance companies generally only run your motor vehicle report every three years. Therefore, if you remain with your present car insurance company, you might slip through the cracks for quite some time and not have to immediately face being labeled as a “high risk” policy holder.

However, once your insurer finds out, they do have the legal right to terminate your driver’s policy at any time. They can also charge you a high risk premium increase that could financially wipe you out.

Other options exist to help you better afford your rate increase. First, you can outright purchase an older car. A paid-off car that you hold the title to does not need full-coverage insurance, just state-mandated liability coverage. Therefore, you can save money with this option right away.

Second, you can get cheap car insurance rates after your DWI, DUI, or OVI by doing business with other car insurance companies that won’t penalize you so severely for drinking and driving. Right away, Internet websites such as MyCarInsuranceRates.com can help you locate some of the best auto insurance companies in your neighborhood who will give you another chance after your existing car insurance company terminates your driver’s policy.

Car Insurance Forgiveness Terms

Another way to get good car insurance rates after your DWI or DUI is to maintain a clean driving history after your infraction. Therefore, if you simply maintain a clean driving record, over time a car insurance company might forgive you for drunk driving and eventually provide you cheaper rates when they no longer view you as a high risk driver. This complementary policy add-on is called “Accident Forgiveness”.