Did you know, DUI insurance rates are just one part of the cost of a DUI moving violation? The three major areas of cost with a DUI moving violation are time, insurance rates and actual money. In this article we’ll look at all three to see what the true cost to you really is.

What part does time play in the cost of a DUI?

No matter where you were going when you were arrested, now you’re going to be processed at the police station. That will take some time. At some point, you will need to meet with your lawyer and spend some time at court. You may even have to take the time for a driving or alcohol class. The time you need to do these things is time that is taken from your family, friends and even job. In the end, you may even lose your job, if it depends on your ability to use an automobile.

How much could my insurance rates go up?

If you get a DUI while insured with a national standard provider, they will either drop you, and you’ll need a new carrier, or transfer you to their high risk division, if they have one. If you get transferred to their high risk division your coverage could rise up to 400%, or to where it became unaffordable for you to continue your coverage. There are estimates from the state of Illinois that say, the average high risk insurance could cost $1500 a year more, for at least three years.

Don’t forget, you could be paying higher rates for up to eight years before qualifying for standard rates again, and that’s only if you can keep your record clean.

How much money will I spend on a DUI?

In 2004 the Southern California Automobile Club did research on the cost for a first-time DUI in that state, the total was $12,116. Included in this total cost were fines, penalties, towing and impound, alcohol education, an increase in auto insurance, victim fund, license reissue fee, booking, attorney and legal fees. In terms of actual cash outlay for a first-time DUI, that’s a lot of money. Prices, no doubt, have gone up since then.

As you can easily see, there’s a lot more that happens when you get a DUI then just your insurance rates going up. It will take personal time for you to straighten up the situation you found yourself in. Your rates will go up. You’ll spend a lot of money in cash to set things right.

Maybe if you’ll think of this, not just the DUI insurance rates, then you won’t have that second drink and drive home, you could be pulled over for speeding five over or a tail light out, you never know. Don’t drink and drive!

If you have had an alcohol-related moving violation, here is where you can go for more information http://highriskdriverinsuranceinfo.com/ or if you need to know how sr22 car insurance can help you get your license back click on sr22 car insurance.

Article Source:

http://EzineArticles.com/?expert=Paul_Crocker

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That’s all the news for today guys, so until next time, thanks for stopping by.

 Will my rate increase with a DUI/DWI conviction?

Bob

Spring, TX.

Bob,

A DUI conviction may also carry indirect penalties, such as increased

automobile insurance rates and limitations on future employment opportunities.

Of course, employment opportunities may be naturally limited by the

transportation problems created by a DUI license suspension, but increasingly the conviction itself may preclude work in certain fields or with certain companies.The powerful lobby of organizations like MADD bringing constant publicity to the issue, and the growing ease with which employers can conduct criminal background checks, that impact is spreading beyond fields directly requiring a clean driving record.

Excellent Question.

 What am I looking at if convicted of DUI/DWI?

Sam

Woodlands, TX.

Sam,

 The consequences of Driving Under The Influence, or DUI, charges

are far reaching. The criminal justice system can be a complicated process and the penalties of a DUI are quite severe. You should be aware that in some cases, those convicted of a DUI are subject to significant fines, legal costs, court costs, and even jail time.

Every person facing this charge is in need of a good defense and protection of their rights. The reason you need to obtain an experienced DUI lawyer is that research shows that many individuals arrested and charged with DUI are not guilty because they haven’t had too much to drink. While the State has a duty to enforce the law, persons accused of crimes such as driving under the influence are still innocent until proven guilty.

Great Question.

Frank

The Woodlands, TX.

Frank,

SR22 insurance is what you have to have after you have been convicted of a DUI/DWI. It will let the DMV know that you are now insured. This is now considered high risk insurance.

A SR22 essentially is a written agreement that is put in place between the DMV and a specific insurance company. The agreement states that the insurance company has provided accurate coverage for your specific needs. The agreement also states that if for any reason whatsoever, the insurance company is no longer providing your coverage, they must contact the DMV and let them know. After the DMV has received the notice, they will generally suspend the offender’s license again.

Thank you Frank.

Betty

Klein,TX.

Betty,

After you have been convicted of a DUI/DWI then the state requires you to have high risk insurance called SR22.

What the SR22 form does is provides a guarantee to the Texas DPS (Department of Public Safety) that the driver has the state required amount of coverage.

There are a lot of bad deals out there when it comes to sr22 insurance policies so you’ll want to be careful of the small companies that prey on people that get DUI offenses. The best thing is to do comparison shopping. The easiest way is to do this online. That way you can compare rate at your leisure without a salesman talking to you. Just remember to make sure you understand everything that your policy covers.

Hope this information help you in your decision making.