Will Auto Insurance Rate Increase After Colorado DUI Charge
Reader’s Question:
I receive a ticket for intoxicated driving. I am 20 years old and I was wondering how much my auto insurance in Colorado will increase because of this?
Green
Loveland, CO
If you are convicted of intoxicated driving which is a type of DUI offense then your car insurance rates are likely to increase a decent amount. Certain violations may cause an insurance company to turn down the policyholder for insurance coverage or to pay high-risk insurance rates.
According to the Department of Transportation in Colorado, your car insurance could go up 30 % on average if you have a DUI offense on your motor vehicle record. With a driving under the influence conviction car insurance rates tend to increase and you will likely be now classified as a high risk driver.
The best way to find the cheapest car insurance rates after you have been convicted of a DUI is to shop around. Make sure you ask for any discounts available to you. This can be for safety features on your vehicle, driver improvement or traffic class, anti-theft devices, etc.
Another easy way to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.
Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums. People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.
