Yes, a DUI conviction will affect your insurance rates. A DUI conviction will hike the rate for three years minimum. Your driving record, insurance company, and location will decide the exact amount and time. You can hire a DUI defense attorney in Stillwater to know the DUI impact on your insurance rates. However, a DUI conviction can raise the rate to eighty percent. It will vary depending on the state. California, North Carolina, and Michigan will have the highest average premiums for DUI-convicted drivers. DUI defense lawyers in Stillwater can minimize the impact with the proper measures. Hire a legal expert to find solutions for your complex situation.

Other Influencing Factors after DUI 

In addition to DUI, some other factors can impact your insurance rates. The location will play a big role, and the same applies to your insurance company, age, and conviction time.

How Age Impacts Your Insurance Rates

Car insurance companies rely more on experienced adults. They find young drivers riskier and might charge more for insurance. If you are 18 years with a DUI conviction in the last twelve months, the insurance rate will be 47% more. 

How the Time Since Conviction Matters

The time since a DUI conviction will also impact your insurance rates. Insurance companies consider three to five years to calculate your insurance quote. You can expect reduced rates with cleaning driving records. You can qualify for a cheaper rate if you have a clean driving record of three years or more after a DUI. Talk to experienced Stillwater DUI lawyers to know how long you need to wait for cheaper insurance rates.

How the Number of DUIs Influence Insurance Rates 

The number of DUIs will have a significant influence on your insurance rates. When you have four DUIs, you will pay 52% more on your insurance. However, someone with one DUI will pay less. In brief, the rate will be higher when you have more DUIs. 

Insurance Companies Will Also Play a Role

Apart from all these, the insurance company will have a role in the spike. Each insurance company will have different rating calculations. You can compare the quotes of many insurance companies to find cheaper insurance rates. However, the rate will increase based on your driving record and age.

How Do Insurance Companies Know About DUIs? 

Insurance companies check the driving records and DUIs once you apply for the insurance. They cover all the possible factors to know your risk level. However, you must talk about the DUI conviction during the application process. If you avoid doing so, it might result in adverse consequences. The company might drop the policy entirely. The company might know about the DUI during renewal. It will impact the rates when the company becomes aware of your conviction. You can be honest with your company and share DUI convictions.

How to Save on Insurance After DUI  

You can talk to a criminal defense lawyer in Stillwater to protect your interests in the best manner. You can also develop safe driving practices. Keep a clean driving record, compare quotes from many insurance companies, and improve your credit score. Follow driving rules if you want cheaper insurance policies.

Resources:  http://www.attorneyshouse.com/stillwater-ok-74074-united-states/lawyer/ball-morse-lowe-pllc-stillwater http://www.rightlawyer.com/oklahoma/stillwater/criminal-defense/ball-morse-lowe-pllc-stillwater

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