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What is DUI Insurance?
Although many people refer to insurance for drivers who have a DUI as “DUI insurance” there’s no such thing as a DUI insurance policy. Because many companies won’t insure drivers who have a DUI, the term is commonly used to call attention to the incident when people are shopping for auto insurance. DUI insurance is basically just a personalized car insurance policy for drivers who have a DUI conviction.
Drivers who are facing DUI charges know how tough it is to obtain car insurance after a DUI. Fortunately, Freeway can help. Freeway specializes in providing high-risk auto insurance for drivers who have a DUI, accidents, tickets, or require an SR-22.
How Does a DUI Affect Your Insurance Rates?
The amount you pay for car insurance is determined by several factors, one of them being your risk of being in an accident as deemed by your insurer. Being convicted of a DUI is considered very risky. The impact a DUI has on your car insurance premium varies by individual circumstances, but for a typical one-car/one-driver policy, the average premium could increase a few hundred dollars.
What’s the Difference Between a DUI and a DWI?
In most cases, driving under the influence (DUI) and driving while intoxicated (DWI) are used interchangeably. Some states use DUI while others favor DWI. There are also a few states that use terms such as OUI (operating under the influence).
A few jurisdictions issue both DWIs and DUIs. In these states, DWI typically refers to alcohol impairment while a DUI charge may be issued to those impaired through some other means, such as illegal or prescription drugs.
How Long Does a DUI Stay on Your Driving Record?
In most states, a DUI stays on your record for three to five years. In California, however, a DUI stays on your driving record for 10 years. Note that a driving record is not the same as a criminal record. A DUI may stay on your criminal record for life depending on the circumstances.
How to Get DUI Insurance
If you’ve been searching for DUI insurance, you probably know how difficult it can be to obtain. Most insurance companies won’t insure high-risk drivers, especially those who have a DUI. Unlike other insurance companies, Freeway Insurance makes it easy to obtain DUI insurance. We work with multiple insurance companies to help you find the best DUI insurance with the coverage you need. You can request a free DUI car insurance quote online or over the phone by calling 800-777-5620.