“Driving Under the Influence” can Increase the Rate of Your Car Insurance
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How come DUI (Driving Under the Influence) increases the rate of auto insurance cost? Simple, drinking under the influence of alcohol is a prohibition under the law. Based on statistics, DUI drivers have higher accident risks than normal drivers who do not have alcohol content on their body. This automatically increases the cost of auto insurance, since the basis of its cost is the amount of risk for the drivers.
The instance you drive under the influence of alcohol, you give the auto insurance the right to charge you more on the insurance. Once the authority asks you to pull over, and find out that you are drunk, it may require you to get a special kind of auto insurance. The special type of auto insurance is SR22 – specialized auto insurance for high-risk drivers.
SR22 or high-risk auto insurance is usually required for these kinds of people: caught DUI, causing an accident while driving without insurance, many violations over a short period, and has revoked or suspended driver’s license. It is proof of financial liability that the state requires you to have for about 3 years. It covers the minimum state liability requirements. It covers the damage to property liability and bodily injury liabilities in case of accident.
SR22 or high-risk auto insurance is not different to normal minimum auto insurance coverage but it has higher cost. This is because when the state requires you to have the SR22; you are just part of the rare high-risk drivers. The company computes for the risk, and divide it to the number of the policy holders. Thus, SR22 is more expensive than other quotes. However, you can still compare prices to get cheapest cost.
So, before you drink and drive, you might as well consider to wait until you get sober. Every year, thousands of accidents are pointing to driving under the influence of alcohol as a cause. Many lives are going to waste every year because of someone’s irresponsibility – driving drunk.
The cost of high-risk auto insurance for people caught driving under the influence of alcohol is just right. People with higher driving risk must pay for higher insurance cost. So if you want to get cheaper auto insurance quote, avoid driving under the influence of alcohol.
Aside from high cost of auto insurance quotes, drivers who violate DUI codes can be imprisoned for up to maximum 3 years, and their license can be suspended or revoked permanently.
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