A DUI will have a heavy impact on your car insurance policy. Many insurers will cancel your current policy once they find out, while others will increase your rates significantly. It's all about risk, and any driver with a DUI represents a much higher risk for an insurer.
If you are aiming to get a new policy and you have had a DUI, you will need to accept that the days where you can get mainstream insurance rates will be gone – at least for now. Having said that, there are still some things you can do to ensure that you achieve the best rates possible given your circumstance.
First off, make sure that you comply will all recommendations made by the court. If they require you to attend any programs for convicted DUI drivers, make sure you do so. If there are driver education programs that you have to go on, see it through. Doing so will help you to rebuild your reputation in the eyes of insurance companies.
Depending on the state in which you live, you may also be required to fill out an SR-22 form for a number of years. This will notify your insurer of your DUI, meaning that everything will be out in the open. Being honest and open in this way is important – if your insurer doesn't know about your DUI, it may be best to let them know. Do not run the risk of them finding out themselves, as this can have a much harsher effect on your premiums.
If your rates begin to increase due to your DUI, don't cancel your current policy. You may find it difficult to get insured by another provider and any break in your insurance record will not be looked upon fondly. Accept your higher rates and continue to cover your payments.
In some circumstances your insurer will cancel your policy, leaving you with no choice but to search for a new one. Look for specialist companies who offer insurance for DUI convicted drivers – these may offer better deals than regular mainstream insurers.
Above all, make sure that you gradually rebuild your reputation. Do so by covering your payments on time, every time, and by driving safely and avoiding further convictions. Keep your credit rating in check by making your payments and you'll find that your rates begin to decrease as time goes by.
For more information on getting Arlington auto insurance after a DUI, call Low Rate Insurance Agency at 1-817-365-0375. Whether you are looking for a new policy, insurance after a DUI, or need to file an immediate SR-22, we shop multiple companies to find the best solution for you-fast.