How To Insure Your Car If You Have A Drunk Driving Record
One of the most serious driving offenses worldwide is drunk driving. Drink driving puts your life at risk and the lives of everyone else as well. Drunk driving not only has severe repercussions on the driving record, but it is also a punishable crime that includes a ban on driving, heavy fines, and jail time as well.
Moreover, insurance companies usually do not give their services to a person with a drunk driving record due to high risk. Do you have a drunk driving record and want to get insurance on your car? This article will guide you in getting insurance after a drunk driving conviction.
PitStopArabia requests car owners to be responsible and avoid drunk driving, no matter the situation. It will help you avoid costly fines, jail time, and never-ending regret. On top of it all, if you are involved in a collision while drunk driving, it can land you in prison for a long time. You may never get a good job again, and your reputation will suffer. So, act responsibly.
WHAT EXACTLY IS DRUNK DRIVING?
Driving your car under the influence of alcohol is known as drunk driving. There is a prescribed limit of alcohol percentage in your blood that is allowed and deemed relatively safe for driving. If you exceed that limit, you are in hot water and will be convicted for operating the vehicle under the influence of alcohol.
The legal limit of alcohol content in the blood varies from country to country and state to state. You should not drive if you consume alcohol. It is better to take Uber or any other means of transportation and not get behind your car's wheels to keep everyone safe. Please read our article on how to curb drunk driving for further help.
Even if you are not involved in an accident but get caught drinking and driving, you can go to jail for up to six months, not to mention you being banned from driving or fined heavily. If you kill someone while driving under the influence of alcohol, you can go to jail for 15 years as well. Apart from this, insurance companies charge a lot to people with a drunk driving record.
DO COMPANIES GIVE INSURANCE AFTER A DRUNK DRIVING CONVICTION?
Many insurance companies see a person with a drunk driving record as a red flag and are hesitant to provide insurance coverage. You will have to contact numerous insurance companies to get insurance. Once you get successful, you should be prepared to pay a lot of money on car insurance as companies charge more to a person with a drunk driving record due to the high risk involved.
You can't do anything about it since having insurance is mandatory, and you cannot operate your vehicle if you don't have insurance. An important thing to consider is that a person with a drunk driving conviction is obligated to inform the insurance company about his conviction and should not try to hide it to get insurance. If you need to make a claim, the company will not cover for anything if you have not informed them.
HOW MUCH MORE DOES A DRUNK DRIVER HAS TO PAY FOR INSURANCE?
It is already mentioned that if you have a drunk driving conviction, your insurance cost will increase significantly. If your existing insurance company agrees to cover you, there is a very high chance that they will charge you double for the insurance after your conviction. If your charges are severe, the company may charge more than double.
HOW CAN I PAY LESS FOR CAR INSURANCE AFTER CONVICTION?
After you get convicted for drunk driving, it's not the end of the road. There are some ways to pay less money on getting insurance. These include:
DO A RESEARCH
It is a wise idea that you do your research on insurance companies after you get convicted. You should not just accept the offer from your existing insurance company in desperation. You should search for other insurance companies and find out what they offer you. They may charge less as compared to your current insurance.
TAKE PART IN REHABILITATION COURSE
After you get convicted for driving intoxicated, you may be required to get yourself enrolled for a course as part of the rehabilitation process. Some insurance companies charge less to drivers who have successfully attended this rehabilitation course. You must pay for the rehabilitation course, but for the long term, it gives you a lot of savings on your insurance by reducing the cost.
Buy a Car with Less Insurance Premium
We have repeatedly discussed that the insurance premium varies from vehicle to vehicle. Therefore, you must buy an automobile that does not cost a lot to fix and insurance. How can you find this car? Well, there is no hard rule. You can consult with a mechanic or talk to an automobile insurance provider for more information.
Wrap Up
If you have any further questions or suggestions regarding the content, let us know. Lastly, if you want to find cheap car insurance after getting caught for drunk driving, reach out to PitStopArabia. We can help you find a good insurance company that matches your budget and expectations.