How much does a DUI affect my auto insurance rate?
This case study pertains to how a DUI affects your auto insurance rate. This is a research project I've worked on in the last couple of weeks. What I did was look at actual auto insurance quotes that I have ran in the past several weeks. I compared that rate as it was versus adding a DUI onto it.
I wanted to see whether if terminology makes a difference, of whether you're charged with a DUI, DWI, OMVI, OVI or any other such violations that involves operating a motor vehicle while being impaired. Did that make a difference in premium?
I also wanted to find out how much your auto insurance rate is affected when you're able to have charges reduced to lesser violations. But the main focus of this case study was to see just how much in terms of a percentage increase getting a DUI will have to pay extra for car insurance.
How the study was done.
Be honest. I bet you thought that having a DUI would increase your auto insurance by much more than an average of 12.7%. I know I sure did. But that's because there's a lot of competition for the high-risk DUI market. That's why it's very important to shop around with multiple high risk companies in order to find the best rate.
After getting a DUI, it is very understandable why it benefits to have charges reduced to a reckless operation violation. It is a necessary evil sometimes in order to keep a DUI off of your criminal record. Unfortunately, it will hurt you as far as auto insurance is concerned.
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..