If you’re caught driving under the influence, it’s likely that your insurance premium will be affected.
We understand that receiving a DUI can be a difficult experience. As you can imagine, having a DUI on your driving record means you’ll be paying for it long after your court or legal interactions have ended. In fact, a DUI often directly impacts what you pay for auto insurance. Here’s why. DUI Car Insurance SR 22 Arizona DUI Car Insurance How Long?
Driving Records Show DUIs
Your driving record shows if you have a DUI conviction. If you want to purchase an auto policy with a company, it generally requests and reviews a copy of your driving record, during which the DUI will be noted. If you’re renewing your auto policy, your driving record also may be reviewed to properly set your insurance rate. Please note this is only if you have been convicted of a DUI. There is some time between when you are charged and convicted. Your Arizona criminal defense attorney and your Arizona DUI Lawyer, Canyon State Law will be helping you through this process.
You May Be Considered a Higher Risk Driver
A DUI affects what insurance companies charge you for insurance because they may consider you a higher risk driver. Often, points are added to your driving history because of a DUI. When insurance companies assess this history, they may charge you more if you have more points than the average driver.
Some Arizona insurance companies may not even insure you if you have a DUI on your record. Progressive will insure you regardless of whether or not you have a DUI, though we do charge you appropriately for one.
SR-22 Filings May Be Required
Most of the time, you’ll also have to file an SR-22 if you’re convicted of a DUI. An SR-22 is a statement of financial responsibility that serves as proof that you have the proper amount of insurance that your state has required you to have. Your insurance company may file the SR-22 for you, but be sure to check with your company for their standard procedure.
Depending on your situation, you may have to file an SR-22 for several years. The amount of time an SR-22 remains active is based on your state and the incidental factors surrounding your DUI. Having an SR-22 often puts you in the higher risk category with auto insurance companies, which means your rates could increase and remain higher several years after you receive a DUI.
Though a DUI doesn’t inherently cause your insurance rates to increase, it most likely will. If you get a DUI, it’s not the end of the world. However, expect to pay for it for at least a few years — especially if it concerns your auto insurance. If you feel that you have been wrongly charged with a DUI and not yet convicted we recommend you speak with The Hogle Law Firm in Gilbert they are a Mesa AZ Extreme DUI lawyer who knows the Arizona law regarding these charges. Here is who you should contact.
The Hogle Law Firm – Mesa
1013 S. Stapley Dr
Mesa, AZ 85204
(480) 999-5334
https://hoglecriminallaw.com/mesa
The Hogle Law Firm
333 N Dobson Rd #5
Chandler, AZ 85224
(480) 900-2100
https://hoglecriminallaw.com/Chandler
The Hogle Law Firm
4365 E Pecos Rd
Gilbert, AZ 85295
(480) 442-3085
https://hoglecriminallaw.com/gilbert
The Hogle Law Firm
21321 E Ocotillo Rd #125
Queen Creek, AZ 85142
(480) 500-6664
https://hoglecriminallaw.com/queen-creek
The Hogle Law Firm
1 E Washington St #500
Phoenix, AZ 85004
(480) 757-7788
https://hoglecriminallaw.com/phoenix
The Hogle Law Firm
14050 N 83rd Ave Suite 290
Peoria, AZ 85381
(602) 726-9955
https://hoglecriminallaw.com/peoria
The Hogle Law Firm
15331 W Bell Rd #212
Surprise, AZ 85374
https://hoglecriminallaw.com/surprise